This is an important consideration. If your current policy is a term contract, then you can take a look at the pricing of your current contract compared to current market rates for the same amount of insurance and see if what you have is acceptable to you. If you think you want to swap out for a new policy, then we are happy to help you procure one.

If you have a permanent insurance contract currently and are convinced that you prefer a term structure, then we can help you here too. Term pricing is far less expensive than permanent. However, permanent insurance offers some features which term does not and it is important to fully understand the decision.

In either scenario, it is imperative that you not cancel the current coverage until new coverage is in force!

If you want to discuss this important consideration, please contact us.