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With New Year’s Day rapidly approaching, you might be thinking forward to 2018 and the resolutions you want to make. But December is also a good time to look back at the previous year in review, and to think about your next steps in relation to recent changes in your life.

For example, has your family structure changed at all? Perhaps you have grown children who have aged out of the family’s health insurance plan. This would be a good time (while Open Enrollment is still going on) to review your healthcare needs and perhaps switch to a different plan.

On the other hand, maybe you’ve added a new child to the family. The opposite change – a switch to a more comprehensive healthcare plan – might be necessary.

Speaking of a growing family, you know that it’s important to protect your dependents in the event that something unexpectedly happens to you. As your family grows, it is important to re-evaluate your life insurance needs. Think about your hopes and dreams for each family member, and consider whether your life insurance policy still adequately provides for those goals.

As those kids grow, they will become teenagers. And at some point, your auto insurance needs will change drastically, due to one or more teen drivers in the household. We can help you identify ways to keep your auto insurance premiums as low as possible.

Some of you might have “grown” your household in other ways. If you’ve purchased any expensive items this year, such as jewelry, electronics, or additions to an art collection, you should update your records with regard to home contents. Walk through your home with a video camera, and make a record of your belongings. You should also review your homeowners insurance contract, to ensure that the “contents” portion will adequately cover a total loss of your possessions. If not, it might be time to upgrade your insurance policy.

These are just some of the changes that the average family might experience in a single year. Other chances can also affect various insurance needs. So give us a call, and we’ll help you compare different polices and decide upon a package that best protects your home, your health, and your livelihood.