“Is It Time to Review Your Insurance?” 5 Real-Life Signs You Shouldn’t Ignore

Every spring, Jamie tackled her to-do list with a sense of renewal—swap out winter clothes, declutter the garage, maybe even repaint the guest room. But this year, her spring cleaning uncovered something unexpected: a dusty folder in the back of her filing cabinet marked “Insurance.”

She hadn’t looked at it in years.

Life had changed. She had a new job, a growing family, and a list of responsibilities longer than ever. Suddenly, that folder wasn’t just paper—it was her family’s safety net. And she wasn’t sure if it was still strong enough.

Jamie isn’t alone.

At OnePoint Insurance Agency, we meet people every day who don’t realize how much their coverage needs have changed—until it’s too late. So, let’s walk through 5 real-life signs it’s time to give your insurance policies a second look, and how we can help you feel confident, covered, and in control.

❤️ 1. Your Life Has Changed—But Your Life Insurance Hasn’t

When Jamie welcomed her daughter last year, she baby-proofed the entire house, started a college fund, and bought a bigger SUV. But she hadn’t thought about her life insurance since her first job—back when she was single and living in a studio apartment.

Why it matters: Life insurance is meant to protect the people who depend on you. Major life events—marriage, kids, a mortgage, or even a new business—can change what kind of protection your family needs. That starter policy from ten years ago might not stretch far enough today.

Real talk: If someone relies on your income or care, you need to know your policy will truly support them if the unexpected happens.

Your next move: Review your current life insurance coverage—term vs. permanent, benefit amounts, and listed beneficiaries—and make sure it reflects your real-life responsibilities.

💼 2. Your Job or Income Has Changed

When Marcus left his job at a startup to become a full-time freelancer, his work-from-home setup felt like a dream—until he realized he didn’t have business liability or protection for his equipment.

Why it matters: Whether your income has grown, decreased, or shifted due to self-employment or retirement, your insurance should adapt. More income might mean higher liability limits; job changes may affect your group benefits or require individual life and disability policies.

Your next move: Consider how your financial future has evolved, and whether your policies are designed to protect it.

👶 3. Your Family Has Grown

When Kelly and her wife adopted their son, they updated the nursery, scheduled checkups—and then remembered their life insurance. Suddenly, it wasn’t about “what if something happened to me?”—it was about who would take care of him.

Why it matters: New family members—from children to elderly parents—bring love and responsibility. Life, health, and even auto policies may need to be updated to add dependents, increase limits, or adjust beneficiaries.

Your next move: If someone new depends on you, your insurance should reflect that.

📅 4. You Haven’t Looked at Your Policy in 2+ Years

It happens all the time. A client pulls out their old policy, dusts it off—and realizes the last time they reviewed it was before they got married… or moved… or started their small business.

Why it matters: Insurance companies adjust coverage options, rates, and discounts regularly. If your policy is more than 2 years old, chances are you’re missing out on better rates—or leaving yourself underinsured.

Your next move: Make policy reviews a part of your annual spring routine—just like your taxes or home maintenance.

❓ 5. You’re Not Really Sure What You’re Paying For

Ever felt confused after reading your insurance paperwork? You’re not alone. In fact, a majority of people don’t fully understand what their policies cover.

Why it matters: Not knowing your policy’s fine print can lead to unpleasant surprises when you need it most. Whether it’s a denied claim or unexpected out-of-pocket costs, confusion can cost you.

Your next move: Let OnePoint’s trusted advisors walk you through it. We make insurance understandable, customized, and human.

🌼 Ready for a Spring Refresh?

Back to Jamie. After her discovery, she reached out to OnePoint for a free policy review. Within a week, she had:

• Increased her life insurance coverage to match her family’s needs

• Updated her homeowners insurance to reflect new renovations

• Reviewed her auto policy and found new savings

Today, she’s not just checking boxes—she’s sleeping better at night.

And you can too.

📝 Let’s Tidy Up Your Coverage

Spring is about new beginnings. And there’s no better time to make sure your insurance reflects the life you’re living now—not the one you had five years ago.

✅ Book a free, no-pressure policy review today.
📞 Call us 770-884-8117, send a message, or drop by—we’ll meet you where you are.