The process
What a policy review actually looks like.
What the audit reviews
Coverage adequacy
Is the death benefit still appropriate for your current income, debts, and dependents?
Premium competitiveness
Are you paying more than current market rates for your health class?
Health-class accuracy
If your health improved since your policy was issued, you may qualify for a better rate class.
Policy type fit
Term vs. whole vs. universal — is the structure still aligned with your goals?
Beneficiary structure
Are your beneficiary designations still accurate and tax-efficient?
Riders and conversion options
Are any riders on your policy valuable, expired, or worth converting?
What we don't do
- — We don't manage existing policies on your behalf without your written direction.
- — We don't sell investment products, annuities, or securities.
- — We don't recommend replacement unless the numbers genuinely favor it.
The four-step process
01
Submit
Fill out the 3-step questionnaire on the home page. Three minutes. No documents needed up front.
02
Review
A licensed agent reviews your profile, pulls illustrative rates, and assesses whether your current policy is competitive.
03
Compare
We present your options in plain language — current policy vs. alternatives, side by side, including any replacement disclosures required by Florida law.
04
Decide
You decide. There's no pressure and no obligation. If your existing policy is the right fit, we'll say so.
Replacement is a real conversation, not a foregone conclusion.
Under Florida law, any recommendation to replace an existing life insurance policy requires a formal Notice Regarding Replacement and a side-by-side comparison of the existing and proposed policies. We take this seriously.
Replacement can result in surrender charges, a new contestability period, loss of guarantees, and potential tax consequences. We will walk you through every material difference before you make any decision.
Frequently asked questions
Is this really free?
Yes. The review costs you nothing. We are compensated by the insurance carrier if you choose to apply for a new policy. If your existing coverage is the right fit and you don't apply for anything, you owe us nothing.
Do I need to bring my existing policy documents?
Not for the initial review. The questionnaire gives us enough to start. If we identify a meaningful opportunity, we may ask for your declarations page to complete the comparison.
What if I'm not in Florida?
We are currently licensed in Florida. Residents of other states may be able to be served through our non-resident licensing — contact us and we'll let you know.
Will this affect my existing policy?
No. A review is just a review. Nothing changes about your existing policy unless you apply for a new one and the old one is surrendered or lapsed — and that would only happen with your explicit written direction.