Smart Life Check

Free, no-obligation policy checkup

Is your life insurance still working for you?

Many policies bought 10, 20 or 30 years ago aren't doing what their owners think. Interest rates fell, premiums rose and families changed. We'll show you, in plain English, where your policy stands and what your options are.

Request my free review Take the 1-minute self-check
  • No cost, no pressure
  • We never cancel anything
  • Licensed agents

A review is worth it if any of these sound familiar

You bought universal life before 2010

Many of these policies were projected at interest rates of 7% or more. With lower rates since, some are underfunded and may run out years earlier than expected.

Your term policy is ending

When a 20- or 30-year level term ends, premiums can jump sharply. There may be conversion or replacement options, but some have deadlines.

Your needs have changed

The kids are grown, the mortgage is paid, the business was sold, or a buy-sell agreement ended. A policy you no longer need may still have real value.

Nobody has looked at it in years

Policies aren't "set it and forget it." If you haven't seen an updated projection (an in-force illustration) recently, you may not know where you stand.

How it works

  1. 1

    Tell us about your policy

    Fill out the short form below or send us your most recent annual statement. Takes about five minutes.

  2. 2

    We get the real numbers

    With your permission, we request an up-to-date projection from your insurance company showing how your policy is actually performing.

  3. 3

    You get a plain-English review

    We walk you through what we found and every option you have, including keeping things exactly as they are. You decide; there's no obligation.

What we might find

Every situation is different. Often, keeping your current policy is the right answer, and we'll tell you if it is. Other times, there's a better path:

Keep it as is
Your policy is on track. You leave with peace of mind and a clear picture.
Adjust it
Change premiums or coverage so the policy lasts as long as you need it.
Exchange it
Move the cash value into a newer policy through a tax-free 1035 exchange, which may lower your costs or increase your coverage.
Convert it
Turn an expiring term policy into permanent coverage, often without a new medical exam.
Sell it
If you no longer need the coverage, a life settlement may pay you more than the policy's surrender value.

Any change depends on your age, health, goals and underwriting approval. We never recommend cancelling a policy before new coverage is in force. We don't give tax or legal advice; please consult your own advisor.

The 1-minute self-check

Answer five quick questions to see if a review makes sense for you.

1. Do you own a universal life or whole life policy bought before 2010?
2. Does your term policy's level premium end within the next 5 years?
3. Has your premium gone up, or have you received a notice that your policy may lapse?
4. Have your needs changed since you bought it (kids grown, home paid off, business sold, retired)?
5. Has it been more than 3 years since anyone reviewed your policy with you?

Questions people ask

What does the review cost?

Nothing. The review is free and there's no obligation. If you decide to make a change, we're paid by the insurance company, as licensed agents typically are.

Will you cancel or change my policy?

No. Nothing changes unless you decide it should, in writing. We never recommend letting a policy go until any new coverage is fully in force.

What do I need to get started?

Your most recent annual statement is ideal. If you can't find it, the insurance company name and policy number are enough. With your signed permission, we request the details for you.

What is a 1035 exchange?

Section 1035 of the tax code lets you move the cash value of one life insurance policy into another without paying tax on the gain at that time. Whether it makes sense depends on your health, costs and goals. We'll show you the trade-offs, including any surrender charges and the new policy's contestability period.

What is a life settlement?

A life settlement is the sale of a policy you no longer need to a third party, typically for more than the insurer's cash surrender value. It's generally available to people 65 and older or with certain health changes. Proceeds may be taxable, so please talk with your tax advisor.

Is my information kept private?

Yes. We use your information only to review your coverage and contact you about it. We don't sell your information. See our privacy policy.

Request your free review

A licensed agent will reach out within one business day to schedule a time that works for you.

Your information is private and is never sold. Privacy policy