It's like changing your motor oil every 3000 miles. If you don't do it, you may discover your car no longer works when you need it most. Most people forget to do this until it's too late. Your situation often changes throughout the course of life ... especially in these times. A new home, car, job, family member, or the lose of any one of those, can change your entire financial position. It's best to be on top of those issues than be a victim of them. Further, you may be paying too much or own an older policy that is about to expire. With that in mind, new, more comprehensive options are developed by insurers several times a year. In some cases, it may be wise to replace a current strategy with one that makes more sense for your current goals.