Category: Comfort

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When should you review your insurance policy?

The National Association of Insurance Commissioners (NAIC) suggests that you regularly consider a life insurance policy review to determine if the coverage in your policy is still appropriate for your situation. In fact, most financial advisors and insurance professionals recommend reviewing your life insurance coverage annually.

Reviewing your life insurance policy should be part of your overall financial plan. So when you sit down to check up on things such as your retirement and savings accounts, emergency fund, and even your family budget, it just makes sense to include your life insurance.

If it has been a while since you reviewed your life insurance policy, there’s no time like the present. The following are five tips to better understand when and what to review your policy as your life changes.

  1. Your family status has changed. 

If your family is growing, you’ll most likely need to make some adjustments to your life insurance policy such as increasing your coverage. Keep in mind that if you were to die unexpectedly, your paycheck would stop supporting your family.

2. Your health has changed.

If your health has significantly improved since you took out your life insurance policy, check with your agent about the possibility of getting better rates. Some insurers may be willing to take another look at your overall insurability.

3. Your marital status has changed.

If you got married, you’ll want to discuss with your agent the fact that you and your new spouse may now depend on each other’s income. If you experience a divorce, then you may find that your coverage or policy beneficiaries need to be adjusted.

4. Your beneficiaries have changed.

To dovetail on tip number three, a new marriage could mean updating your life insurance policy to add your new spouse as a beneficiary. In contrast, a divorce may warrant revoking a former spouse.

5. Your housing situation has changed.

Did you buy a new house? Congratulations! But now you need to consider the fact that if you were to die unexpectedly, how would your family continue to pay the mortgage. On the flip side, if you downsized or paid off your home, you may not need as much life insurance coverage.

Just as often as you re-evaluate your auto insurance, homeowners insurance or even cell phone insurance, you should re-evaluate your life insurance to ensure you have the best (and correct) coverage for the least amount of money.

And as a side note, how about reviewing your current investments? Or evaluating whether your current savings plan is preparing you properly for retirement?

Just a few things to consider and keep on your annual TO DO list.

Why continue the INSANITY?

So if the definition of insanity is “doing the same thing over and over again expecting a different result” Albert Einstein then working a J.O.B. (Just Over Broke) is insane!

⃝      Wake up, shower and get dressed.

⃝      Drive to a job.

⃝      Work all day doing the exact same thing you do every day.

⃝      Drive home.

⃝      Eat and “unwind” in front of the TV.

⃝      Go to bed, just to get up and repeat the same thing the next day.


A paycheck is the bribe you are given to forget or postpone YOUR dreams while helping others realize theirs.  Never let the flame of your dreams be extinguished by accepting a mundane existence.  Even a dim flicker of a dream can be fanned back to a raging fire of determined progress.  It is not easy to change a pattern in life.  “Ease is a greater threat to progress than hardship” Denzel Washington.

You can force yourself to dedicate one hour everyday toward fulfilling your dream.  Even when you are tired, sick, overwhelmed and frustrated, this one hour must be spent as an investment in YOURSELF.  Within a short period of time before you realize what has happened, you WILL achieve your desired goal (one hour at a time).

You will then have a renewed faith in yourself and your ability.  You will begin to dream even bigger.  Before you realize what has happened, you will be living the life you have always wanted.

Two things are needed:

  1. A dream worth fighting for;
  2. A vehicle (plan) to get your dreams accomplished.

So are you tired of the insanity yet?

Do you have a dream worth fighting for?

What is your current plan?

Once you answer these:


B.Sadler 2020