Already own it?
Before you cancel, replace, surrender, borrow against or add to it, understand exactly what you have.
Second opinions
Before you buy, cancel, replace or change an insurance policy, get a second opinion.
Being offered something new?
Before you sign, compare the proposal with your objectives, alternatives, costs, guarantees, non-guaranteed assumptions, surrender terms, tax considerations and the consequences of changing course later.
A second opinion is useful precisely because the answer may be “keep what you have.”
I can review existing life, disability, long-term care and annuity policies, as well as proposals you are considering. We look at coverage, costs, guarantees, assumptions, potential gaps and the consequences of changing course.
A second opinion does not have to result in a sale. Sometimes the right decision is to keep what you have.