One of the most common mistakes we see after working with thousands of retirees and professionals? People forget about their policies.

You bought that annuity, that life insurance plan, that disability policy years ago — when life looked a little different. But fast forward 8, 10, or even 15 years, and so much has changed: your needs, your family situation, the market, and the products available today.

That’s why a policy review is one of the smartest moves you can make in retirement and in your earning years.

Annuities can be a wonderful tool to safely grow your savings and guarantee future income. But what worked 10 years ago might not be serving you today.

Older annuity contracts often have interest crediting strategies that are outdated compared to modern options. Some contain unnecessary fees that chip away at your growth quietly. And in many cases, better solutions are now available — offering stronger income guarantees, more flexible access to your money, and smarter protection for the inflation years ahead.

A review can reveal whether your current annuity is still aligned with your goals — or if a simple adjustment could help your savings work harder for you.

Too many folks are surprised when a term policy “terms out” and disappears — or when their permanent life insurance doesn’t perform as originally expected.

As we move through retirement or our later working years, priorities shift: we often want a blend of protection and flexibility. Fortunately, today’s life insurance landscape has evolved: many modern policies now include Living Benefits — offering tax-free cash in the event of a chronic illness or long-term care need. Older policies often do not.

Without a review, you may find yourself underinsured at the wrong time — or paying into a policy that no longer matches your wishes.

A review will ensure your coverage is effective, efficient, and in step with your family’s future needs.

If you are a mid-level executive or white-collar professional, your income is likely your single most important asset. But many professionals carry outdated disability income policies — or no protection at all.

Here’s the truth: today’s higher income levels require stronger coverage.

If illness or injury forced you off the job tomorrow, could your current plan replace enough of your paycheck to support your lifestyle and long-term goals?

A simple review can identify gaps, optimize your coverage, and ensure that your financial life stays on track — even if life throws a curveball.