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Protecting Against the Unexpected >

• Basics
• Planning Your Future
  • Has Your Insurance Kept Pace With Your Life?
  • Insurance and Your Financial Plan
  • Estimate Your Needs

Has your insurance kept pace with your life?

What is needed to maintain the right portfolio of insurance coverage changes over time, and depends on many factors, including:

• Property you own
• The amount of income your family needs
• The number of people who depend upon you for support

It's generally a good idea to review your coverage and needs annually.

If you have a change in...	Consider the following coverage:
Income, or your income needs change	Life and disability insurance
Your number of dependents, such as the arrival of a child or the support of elderly parents	Life and medical insurance
Marital status	Life, medical, automobile, homeowners, long-term care insurance
Real estate holdings	Property and excess liability ("umbrella") insurance
Valuables bought or sold (e.g., antiques, art, china, musical instruments)	Homeowner's coverage
Employment status	Life, medical, disability or long-term care insurance Retiree discounts are sometimes available for automobile and homeowners policies

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