Who a review is for

People who only have coverage through work
Anyone who bought a policy years ago and hasn’t looked at it since
Families after a big change, like a new baby, a new home, a job change or a divorce
People with a term policy that is nearing its end date

What we look at

Who is insured, who owns the policy, who pays for it, and who the beneficiaries are
The type of policy and, for term, the end date
Premiums, and what is guaranteed versus projected
Cash value, loans and riders, if the policy has them
Whether the coverage amount still matches your needs

What you get

A plain-language summary of what you have
A list of questions to bring to your insurer
Options to consider if there are gaps, explained without pressure

A review is not a recommendation to replace a policy. Replacing coverage can mean new costs, new waiting periods and lost benefits, so we look at everything before suggesting any change.

What to bring

Your policy documents or most recent statement
Your beneficiary designations
A summary of your benefits from work

Questions to ask about any policy

Who owns this policy, and who is the beneficiary, including a backup?
Is the premium guaranteed, and for how long?
When does the coverage end, and can I convert or renew it?
What loans or withdrawals have been taken, and what do they do to the death benefit?

Talk with Alethe See all coverage

This page is general educational information. It is not tax or legal advice and it isn’t a recommendation for any specific product. Features, costs and availability vary by carrier and state.