Spring Clean Your Beneficiaries: A New Quarter Checklist for Life Insurance
Spring Clean Your Beneficiaries: A New Quarter Checklist for Life Insurance
The first week of April marks the beginning of the second quarter (Q2). In the world of financial planning, this is the “Reset Month.” With Passover starting Wednesday and Easter on Sunday, many families are gathering for the first time since the winter holidays. These gatherings are the perfect—if slightly uncomfortable—time to ensure your Life Insurance and estate plans are aligned.
The “Q2 Audit” Questions:
- The Graduate: Do you have a child graduating high school or college this May? It may be time to consider a small “Starter” policy for them to lock in their “youth rates” for life.
- The Spring Wedding: If you are planning a late-spring or summer wedding, you should apply for life insurance now. The underwriting process can take 4–6 weeks, and you’ll want the policy active before the “I Dos.”
- The Inheritance Discussion: During Passover or Easter dinners, ensure your primary beneficiaries know where your policy documents are located (or give them access to your digital vault).
A life insurance policy is a “love letter” to your family’s future. The first week of April is the best time to make sure that letter is up to date.
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