An insurance agent has offered to review my policies and check the beneficiaries and policy provisions. Should I agree to this, or is this just another attempt to sell me more insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 16, 2021

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Insurance representatives do such reviews as a service for the policyholders in order to verify and update beneficiary designations and to identify other changes that might be needed.

These reviews may reveal that you have gaps in your insurance or financial needs that you may be unaware of. Your agent may then suggest ways to fill these gaps. If you are satisfied with your insurance company and your agent, it is usually a good idea to have periodic reviews of your insurance coverage.

You could also hire an independent financial planner to do such a review if you prefer to get unbiased advice from someone who will have no incentive to try to sell you anything.

Regardless of who does this review, you should make it clear that you will be under no obligation to make any further purchases should you agree to have a review.

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