You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include:

Marriage or divorce

A child or grandchild who is born or adopted

Significant changes in your health or that of your spouse/domestic partner

Taking on the financial responsibility of an aging parent

Purchasing a new home

A loved one who requires long-term care

Refinancing your home

Coming into an inheritance