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Kalda Corner, Aurangabad

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Your needs change along with time. Your financial needs are obviously on top of your needs’ hierarchy. Those need to be checked up on from time to time. Insurance policies play a major role here. And these polices need to be reviewed in order to match the changes and pace of your life. it shouldn’t be delayed because there is no perfect time than the present to make those important changes and decisions. Following are some of the instances where you need to think of reviewing your insurances:

Change in your family or marital status:

You may need to think of increasing your coverage if your family is growing. Because then you need to care for the loved ones that are dependent on you financially. Like when you get married, both of you need to discuss and make the necessary policy changes since you both may be dependent on each other’s income. And those going through a divorce or are divorced, need to make adjustments in their insurance coverage accordingly. 

Change in one’s health:

The policy rates are dependent on your health status too. So if your health has improved significantly since you last got the policy, reviewing it again may get you some good rates. And this is even applicable to your spouse’s health status.

Change in your housing situation:

Based on whether you purchased a new home and the mortgage still needs to be paid off or if the debts are all cleared off, the changes in the insurance coverage are to be made. In case of pending mortgage, in any unfortunate circumstance, the burden must not fall upon your loved ones. And if all the debts are cleared then the coverage that you need may be less.    

Need to take care of a loved one requiring long-term care:

If you have a loved one who needs long term care, your policies need to be reviewed in order to protect yourself and your loved ones from the emotional and financial toll that comes along with it. Long term care is usually subject to rate increases and so it is good to have an annual review of one’s policies.

A Financial Change:

Review your insurance policy whenever there is a change in your financial situation. Whether it is a promotion or you are switching your job or there are some financial difficulties that arise, these financial changes require proper financial decisions to be taken. In order to maintain the way your loved ones and you are living your lives, when such financial changes occur, it is a must to review your insurance policies.  

Make sure that your insurance needs are keeping up with the changing events of your life. Take wise decisions, make the necessary changes today as well as analyze the likelihood of future changes.