Insights
Insurance
You already own the policies. The question nobody has asked you is whether they're doing the work they were sold to do.
The estate documents were current. The $1.4 million IRA still named an ex-spouse from a marriage that ended a decade ago. The trust doesn't override the form.
The exchange was legitimate. The wealth manager's allocation was still counting on the old policy as a bond equivalent. Sixteen months passed before anyone noticed.
Your policy review tells you whether the policy is performing. It doesn't ask whether your financial structure still needs the policy to perform that role.