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Keeping your personal information, like your address or payment information, up to date on your policy is important.

Reviewing your policy regularly ensures it adequately reflects your current financial situation. You may decide to increase or reduce your coverage based on your circumstance. Or if you have more children or grandchildren, or remarry, you may want to add beneficiaries to your policy.

Policy changes, such as updating beneficiaries or changing of address, can only be initiated by the policyholder. Any other changes made will be through the company that issued the policy, so reach out to them directly to start the conversation or ask more questions.

If it’s simply a matter of updating your payment information, give our Customer Service team a call at 800-482-6616.

There are many life milestones when you’ll want to consider an increase in coverage.

• Getting married

As your finances combine, your cost of living adjusts. You’ll want to be sure your spouse can continue the same quality of life if you pass.

• Having a child

Parenting is a great joy and responsibility. The birth of your first, and any subsequent children, is a great time to assess your coverage and beneficiaries.

• Buying a home

Consider how your financial responsibilities, from paying a mortgage to managing expenses like ongoing and unexpected maintenance, factor into your life insurance coverage needs.

• Changing jobs or being promoted

As your income increases, often your standard of living does too. You’ll want to ensure your family could maintain that lifestyle.

Some factors may warrant a reduction in coverage. Life changes like divorce, the death of a spouse, fewer dependents, or retirement may decrease your financial responsibilities.

Your eFinancial agent is available to talk about your current and future needs.

The death of a loved one is a stressful time. If you are the beneficiary of a policy, the insurance company wants to ensure your claim is handled efficiently and sensitively. Here are a few things to keep in mind.

A beneficiary, or someone acting on behalf of the beneficiary, can access the appropriate state Claim Forms directly from the insurance company, either online or through the Customer Service team. You’ll be asked to submit the completed form along with a certified death certificate.

In most cases, it’s helpful to have the following policyholder information handy:

• Full name and nickname
• Date of birth
• Date and cause of death
• State of residence
• Policy number, if you have it

If you don’t have all of the information, no worries. A Customer Service Representative will help guide you through the process.

You have many things on your mind when a loved one dies. As you take care of yourself and your family, remember that delegating tasks to your financial professionals and other trusted individuals can help alleviate the burden.

Immediate concerns include contacting family, friends, and employers, arranging for organ donation, and planning for a funeral or memorial service.

Requesting the death certificate, notifying Social Security, and gathering other legal and financial documents will allow you to begin to address the will and other parts of the estate plan.

Then you can begin making claims and collecting benefits. If you’re the beneficiary of a life insurance policy, you can reach out to the company holding the policy to begin the process of filing a claim. You should also close or update financial accounts.

Insurance companies determine premiums and whether you qualify for a particular policy based on a variety of factors. An important consideration is your current health. By assessing your present health, the insurance company can place you in the most accurate rate class, which determines what you pay. This can mean lower insurance rates.

There are life insurance products that do not require a medical exam. Often, however, the medical exam can save you money if you qualify for a better rate class. Call your eFinancial agent to understand your options and what type of products may best meet your needs.