Existing policy review
Understand current coverage before considering a change.
A policy review can help you organize what you own, what is guaranteed, what can change, and whether the coverage still aligns with your goals. A review is not an instruction to replace or surrender a policy.
What to bring
Use the insurer’s current annual statement, policy contract, in-force illustration when applicable, beneficiary information, and notes about your present goals. Do not upload policy numbers or personal records through this website.
What to examine
Review premiums, death benefit, cash value, loans, riders, beneficiaries, guarantees, non-guaranteed assumptions, surrender charges, and lapse risk. Questions should be directed to the issuing insurer when contract details are unclear.
Replacement requires formal safeguards
If a replacement is eventually considered, the insurer, producer, and applicant must follow carrier and state-required notices and procedures. This website does not perform a replacement or accept instructions about an existing policy.
A clear next step
Bring your questions. Leave the sensitive details out.
Start with a general inquiry about your goals and state. Applications and underwriting information belong in an insurer’s authorized system.