Coverage decision

Thinking about changing your life insurance?

Talk through your current coverage and your questions before deciding what to do next.

Independent service. For official billing, claims or account changes, contact your insurer directly.

A review does not require a change.

Keeping your existing coverage can be a valid outcome. Do not cancel existing coverage merely because you are exploring alternatives.

Ways the conversation may end

Your existing coverage may still fit your needs.

Changes may be possible depending on your policy.

If appropriate, discuss other available coverage.

Do not cancel existing coverage until any replacement is fully approved, accepted and in force. Policy terms and underwriting vary.

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Do I have to replace my policy?

No.

Is keeping my current policy a valid outcome?

Yes.

Can replacement have tradeoffs?

Yes. New underwriting, policy provisions, contestability periods, surrender charges or other differences may apply.