David Huff is a proud United States Marine Corps Veteran. As a husband & father of two beautiful children David knows the importance of protecting them incase of unforeseen circumstances. He Strongly believes every American needs to be protected.

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Once I Buy the Policy, Will I Even Need to Change My Insurance Coverage?

Posted by David - 06/11/2021, 10:45 AM

Will there ever be circumstances which will require me to change my policy or policy coverages?
  • David

    06/11/2021, 10:47 AM

    If you already have a policy, it will usually have a lower premium rate than a new policy you would buy. If you’re buying a permanent policy, the cash value will also be smaller for several years. Keeping all these factors in mind, it might be worth considering a new policy if you have any significant changes in your life circumstances, such as if you:

    • Are recently married or divorced
    • Have or adopt a child (or became a grandparent)
    • Have children or grandchildren who are about to enter college
    • Provide care or financial help to a child or elderly parent
    • Receive an inheritance
    • Retire (or your spouse retires)
    • Start a business
    • Change or lose your job or salary