When was the last time you reviewed your insurance?
Not because you had a claim. Not because your premium increased. Not because your policy renewed.
I mean, intentionally sat down and asked yourself, "Does my coverage still reflect the life I'm living today?"
One of the most common responses I hear during an insurance review is, "Honestly, I don't think much has changed."
Then we start talking.
Have you moved? "Yes."
Did you renovate your home? "Actually, we finished the basement last year."
How about the kids? "Well... one just got their learner's permit, and another is heading off to college."
Still working the same job? "No, I started my own business."
Any new investments? Rental properties? Recreational vehicles? Boats? Retirement plans?
By the end of the conversation, we usually laugh because what started as "nothing has changed" quickly turns into a list of life events that would fill an entire page.
The reality is that life rarely changes overnight. It changes one decision, one milestone, and one season at a time. A marriage. A promotion. A new baby. A home purchase. Paying off debt. Caring for aging parents. Sending a child to college. Welcoming your first grandchild.
Each event feels small in the moment, but over the course of five or ten years, your life can look dramatically different than it did when you first purchased your insurance.
The problem is that most insurance policies don't update themselves.
Too often, people think of insurance as something they buy once and never think about again. But insurance isn't meant to be a static document sitting in a file cabinet. It's a financial tool designed to protect a life that's constantly evolving.
At Glidewell, we often tell clients that our job isn't to sell more insurance. In fact, there are plenty of times we recommend reducing coverage or eliminating policies. Our philosophy has always been simple:
Insure what would financially devastate you. Self-insure what would inconvenience you.
That means making sure your homeowners policy reflects today's rebuilding costs, your liability coverage matches the assets you've worked hard to accumulate, and your life insurance protects the people who depend on you…not the version of your family that existed ten years ago.
An annual insurance review isn't about buying something new. It's about making sure your current plan still aligns with your current life.
The best time to review your insurance isn't after something happens.
It's before.
So, here's my challenge: take five minutes today and ask yourself one question:
"What's changed in my life over the past five years?"
If you can come up with more than one or two answers…it's probably time for a review.
If you'd like a second set of eyes on your current coverage, simply reply to this email. I'll personally connect you with one of our advisors who can walk through your policies with you, answer your questions, and help determine whether your protection still fits your life today. There is no cost, no obligation, and no pressure…just an opportunity to make sure the life you've built is protected.
After all, your insurance shouldn't be based on who you were.
It should protect who you are today.