Insurance Review

Life and disability insurance review across Tampa Bay

Coverage gaps show up quietly, after a mortgage, after a new child, after a job change that came with a smaller group policy than the last one. This is a review, not a sales pitch: we match you with a Tampa Bay planner who looks at your existing life and disability coverage alongside the rest of your financial plan and tells you honestly whether it still fits. St. Pete and Gulf beach households with a lot of home equity have different needs than a young Central Tampa family with a new mortgage and a newborn, and the review should reflect that instead of a one-size answer.

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Planner reviewing life and disability insurance policy details with a client in Tampa Bay

What's included in this service?

Ask about your existing coverage, recent life changes, and what prompted the review
Match you with a planner who reviews insurance as part of a full financial picture, not a standalone sale
Confirm the planner explains coverage type, amount, and cost clearly before recommending changes
Connect you directly so the planner can review your actual policies with you
Follow up to confirm the review addressed the gap you were worried about
Never sell an insurance policy ourselves

When do you need this service?

You bought a home and are not sure your current life insurance covers the new mortgage
You had a child and have not reviewed coverage since
A new job came with a smaller group life or disability policy than your last employer offered
You are self-employed with no disability coverage and no employer safety net if you cannot work
You have not reviewed your policies in 5 or more years and are not sure they still make sense

What do people ask about Insurance Review?

How much life insurance do I actually need?

There is no single formula that fits everyone, it depends on your income, debts including mortgage balance, number of dependents, and how much of your household's expenses your income currently covers. A planner can walk through a needs-based calculation specific to your situation rather than a generic multiple of salary.

What is the difference between term and permanent life insurance?

Term life insurance covers a set period, commonly 10 to 30 years, at a lower cost, and pays out only if you die during that term. Permanent life insurance, including whole life and universal life, lasts your entire life and builds cash value, but costs significantly more for the same death benefit. Which one fits depends on your goals, a planner can walk through both without an incentive to push the higher-commission option.

Do I need disability insurance if I already have coverage through work?

Employer-provided disability coverage is often limited, sometimes covering only a portion of salary or capping the benefit at a lower dollar amount than you would need. It is also usually tied to that specific job, meaning it disappears if you leave. A planner can review your group coverage details and tell you honestly whether a supplemental individual policy makes sense.

What is the difference between own-occupation and any-occupation disability coverage?

Own-occupation coverage pays a benefit if you cannot perform your specific job, even if you could technically do other work. Any-occupation coverage only pays if you cannot perform any job reasonably suited to your education and experience, a much higher bar to meet. This distinction matters most for specialized professions, a planner can explain which type your existing policy uses.

When should I review my insurance coverage again?

A review after any major life event, a home purchase, a new child, a marriage or divorce, a significant income change, or a job change with a different group benefits package, is the general rule. Outside of those events, a review every 3 to 5 years catches coverage that quietly stopped matching your actual situation.