Life is full of twists and turns. What was true for you and your family last year may be different today, and it may change again next year. Part of a healthy, long-term financial plan involves regularly checking in to make sure you’re covering your bases as they exist now.

If you’ve already got life insurance, congratulations! That’s one of a number of smart money moves you’re likely making to protect the financial stability of your loved ones. But how long ago did you purchase that policy? Has anything in your life changed since then? Life events like buying a home or expanding your family can change your coverage needs. Similarly, life insurance offered through your job can be inadequate, and you may not be able to take it with you if you change jobs.

Below is a checklist of life events that can affect how much coverage you might need. Have any of these things happened to you since you last looked at your policy?
- Got married or divorced
- Changed jobs or lost your job
- Purchased a home
- Taken out a loan with a co-signer
- Welcomed a new family member
- Started a business
- Began caring for an elderly family member or a person with special needs
- Been in an accident or became disabled
- Been widowed
- Received an inheritance

The application process is 100% online, with fully underwritten pricing. There are no medical exams or waiting around. Answer simple health and lifestyle questions online and - if approved - you can have a policy in as little as 9 minutes. Policies have competitive and affordable rates with coverage on the spot with a credit or debit card. 

Terms and Coverage Options
10, 15, 20, 25 and 30 year: $50,000 - $1,500,000
Issue Ages Accepted
18-60  10-year term
18-50  20-year term (all females and non-tobacco males)
18-48  20-year term (male tobacco)
Criteria
Ages 18-60
All states except NY
Proposed insured is owner