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Free, fast, and no pressure.
Zero cost and zero obligation. Keep your policy, improve it, or replace it — it’s your call.
About 20 minutes by phone or video call, on your schedule.
Your current policy is compared against dozens of A-rated carriers.
If a new policy makes sense, its price depends on your age, health, tobacco use, coverage amount, and carrier. Replacing a policy isn’t always in your best interest, and I’ll tell you if keeping yours is the better choice. All new coverage is subject to underwriting approval.
A clear answer on what you really have.
Bring your policy, or just the carrier name, and I’ll go through the five things that matter most.
Coverage amount
Is it still enough to replace your income, pay off debts, and support your family today?
Beneficiaries
Are the right people named, with current details, and with a backup in place?
Premiums
Are you paying a fair price, and are your premiums set to stay the same or go up over time?
Policy duration
When does your coverage end, and will it still be there when your family needs it?
Fit with your life today
Does it still match your needs after a marriage, a new baby, a new home, or a new job?
A review doesn’t mean replacing your policy.
Many reviews end with “keep what you have.” The goal is to make sure you understand your coverage and that it still does its job. Possible outcomes include:
- Keep it as is — your policy still fits, and now you know why
- Make simple updates — like changing beneficiaries or contact details
- Add to it — layer extra coverage on top of what you already have
- Consider a replacement — only if it clearly helps you, and never cancel your current policy until new coverage is approved and in force
Most people buy a policy and never look at it again.
Life changes — your coverage should too. It’s time for a review if:
- You got married, divorced, or had a child
- You bought a home or took on new debt
- Your income changed or you switched jobs
- Your only coverage is through your employer
- Your term policy is close to expiring
- Your health improved, or you quit smoking
Your review in 3 easy steps
Tell me what you have
Answer a few quick questions — the carrier name is a great start.
I compare it to the market
I check your policy against options from multiple A-rated carriers.
You get a straight answer
If what you have is the better deal, I’ll tell you. No pressure, ever.
“My goal isn’t to replace policies that are working. If what you have is the better move, I’ll tell you straight up. If there’s something better, I’ll show you side by side.”
Renzo Aurazo · Independent Life Insurance Broker · NPN 21687906
View my state licenses →Straight answers
Is the review really free?
Yes. There’s no cost and no obligation to make any changes.
Will I have to cancel my current policy?
No. Never cancel an existing policy until any new coverage is approved and in force. Often the best answer is to keep what you have or add to it.
Can you review policies from other companies?
Yes. As an independent broker, I can review policies from any carrier and compare them with options from multiple companies.
How long does it take?
Most reviews take about 20–30 minutes and can be done by phone or video call.
Get a clear picture of your coverage
It’s free, takes about 20 minutes, and there’s no obligation. Walk away knowing exactly what you have — and whether it still protects your family.
Prefer to talk? Schedule a call or message me on WhatsApp.
This page is for general educational purposes only. Replacing an existing policy may involve new underwriting, surrender charges, a new contestability period, and loss of existing benefits. Any recommendation will be explained in full so you can decide what’s best for you.