Most people think that a life insurance policy is one and done and never need to be reviewed. However, we believe you should review not only your life insurance policy but the changes in your life as well. Let's look at some reasons a review is needed.

• 1. Beneficiaries- things may have changed since you first assigned the beneficiary to your policy. You may have gotten married, divorced or the named beneficiary passes before you.
• 2. You may not have assigned a contingent beneficiary when you purchased your policy. A contingent beneficiary is the next in line if you and the primary beneficiary has passed. You should always have a contingent listed.
• 3. A new baby. Raising a child is expensive. Your coverage should always meet your growing needs of your family.
• 4. Starting a business or added debt. More coverage may be needed to accommodate this new obligation in order for your family to be at peace.
• 5. Newly married. You may have a sibling or parent as the beneficiary. Once you are married those final expenses will become your spouses expenses.
• 6. You bought a home. A term policy would make sure you have the coverage for your mortgage term so your family could continue to be financially stable and continue to live there.

Life changes fast....Make sure your life insurance keeps up! Show your love with Life Insurance! Talk to your agent today.

Branch Manager

Peggy Claytor

Peggy has been the Branch Manager in our Keysville location since 2001. She has lived in the area most of her life and has watched it grow. She is an expert in insurance exposures for South Side Virginia including Auto, Home, Farm, Mobile home, and Life. She is very knowledgeable and dedicated to providing the best coverage and service to our clients. In her spare time she enjoys camping, going to baseball games, socializing with friends and family, as well as spending time with her grandchildren. She also loves volunteering in the community whereas she is an active member of The Barksdale Cancer Foundation.