Policy Reviews

Take control of your healthcare costs

Life insurance is a cornerstone of solid financial planning. Feel confident knowing your existing coverage fits your financial needs with our complimentary life insurance reviews available on a regular basis.

We recommend evaluating and updating your coverage at least once every five years to ensure you and your loved ones are adequately protected during life-changing events like these:

  • Beneficiary changes
  • Business ownership
  • Charitable giving
  • Childbirth or adoption
  • College expense
  • Death (family member)
  • Divorce
  • Home purchase
  • Increased debts
  • Job change
  • Marriage
  • Retirement

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Life, Long-term Care, Disability, and Medicare Health solutions provided by Truist Life Insurance Services 

Review process

We offer an insurance policy review at no cost to BB&T now Truist banking clients and you are not obligated to purchase insurance from McGriff Insurance Services.

A thorough review may indicate your policy is performing as expected. If our review reveals underperformance, we’ll explain potential improvements and their benefits.

Consider these important factors when you are evaluating whether to surrender or exchange your existing policy:

  • Fees for contract surrender or exchange
  • Physical examination requirement
  • Higher premiums or disqualification for coverage (if you are not in good health)
  • New contestability period
  • Tax liability (please consult your tax advisor)

Performance and cost

A number of factors can affect the performance and cost of your insurance policy, including:

  • Interest rates
  • Under funding (or funded with a combination of term and permanent coverage) to keep costs down
  • Longer than expected or higher than expected premiums
  • Premiums based on old (pre-2001) mortality tables
  • Policy end of term
  • New riders offering more appropriate features, e.g., Return of Premium or Guaranteed Death Benefit Protection

Not an existing client?

Consider a complimentary insurance policy review from Truist Life Insurance Services. We can help you determine if your current coverage is aligned with your financial goals.

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Insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly-owned subsidiary of Truist Insurance Holdings, Inc.

Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544.