Annual Insurance Review
A simple 8-step checkup for every policy you own
Run this once a year — most people uncover $400–$1,800 in savings and at least one critical gap each cycle.
Inventory current policies
Pull declarations pages for every policy. Confirm coverage limits, deductibles, and renewal dates.
Recalculate dwelling rebuild cost
Use square footage × local rebuild cost per sq ft. Adjust if it has been 12+ months.
Re-shop the bundle
Get 3 bundled quotes. Bundling typically saves 13–22%.
Audit discounts
Verify clean record, telematics, paperless, paid-in-full, alumni, and affinity discounts.
Update beneficiaries
Review life and retirement beneficiaries after every life event.
Confirm umbrella limit ≥ net worth
Stack umbrella above auto/home liability — cheapest insurance per dollar of protection.
Re-evaluate term life
Term rates drop every 3–5 years. Re-shop if it has been longer.
Stress-test coverage gaps
Run the Coverage Gap Analyzer and Portfolio Analyzer for a fresh score.
Run the full checkup now
Combine the Optimization Engine, Portfolio Analyzer, and Coverage Gap Analyzer for a complete annual review.