You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include:

• Marriage or divorce
  
  
• A child or grandchild who is born or adopted
  
  
• Significant changes in your health or that of your spouse/domestic partner
  
  
• Taking on the financial responsibility of an aging parent
  
  
• Purchasing a new home
  
  
• A loved one who requires long-term care
  
  
• Refinancing your home
  
  
• Coming into an inheritance