Originally Posted By: Jessel[snip
I'd recommend that everyone sit down with an agent and review their insurance at least one a year.


It is a good idea to have your attorney review all of your insurance coverage, policy limits, deductibles, etc. as a component of your overall asset protection/estate planning, too. I was shocked to discover both excessive/unnecessary and inadequate/uninsured gaps in many of my clients' insurances, once I started doing this.

This is not just for the rich guys. I've had elderly clients on fixed incomes wasting sorely needed money on comp/collision coverage for 20 year old cars, or paying on the basis of still being a daily commuter after retiring, and young, healthy single parents with too much life insurance but no disability income coverage, etc.