Dave Lambertsen

Dave loves spending time with his 19 Grandchildren. Each one of them has a unique personality. They call him "Bapo." Sometimes they just call to video chat because they miss him. They are a great joy in his life.

Dave has been a State Farm Agent since 2002 and is dedicated to lifelong learning to keep up with current events and trends.

Fall is indeed a great time to review and update insurance policies to ensure that you and your loved ones are adequately protected. Here are some steps you can take regarding life, home, and auto insurance:

• Reviewing and updating life insurance policies regularly is an important step in ensuring the financial security of loved ones. Here are a few key points to consider when reviewing life insurance policies:

  • Coverage Amount: Assess whether the current coverage amount is sufficient to meet the financial needs of your loved ones in the event of your passing. Consider factors such as outstanding debts, education expenses, and future financial goals.

  • Beneficiaries: Review the designated beneficiaries and ensure they are up to date. Changes in personal circumstances, such as marriage, divorce, or the birth of a child, may require updating the beneficiaries.

  • Policy Riders: Evaluate any additional policy riders or optional benefits that may be available. These riders can provide added protection, such as coverage for critical illness or disability.

  • Policy Term: Determine whether the policy term aligns with your current needs. If your circumstances have changed since you initially purchased the policy, you may need to adjust the term length accordingly.

    Fall is indeed a great time to review and update insurance policies to ensure that you and your loved ones are adequately protected. Here are some steps you can take regarding life, home, and auto insurance:

    • Life Insurance:

      • Assess your current life insurance coverage. Determine if it is sufficient to meet the needs of your dependents in case of your unexpected death.

      • Consider any major life changes that may have occurred since you last reviewed your policy, such as getting married, having children, or purchasing a home.

      • Evaluate if your policy's beneficiaries are up to date.

    • Home Insurance:

      • Review your home insurance policy to ensure it adequately covers your property and belongings.

      • Assess any changes or improvements you have made to your home since you last updated your policy.

      • Consider if you need additional coverage for specific items like expensive jewelry, electronics, or artwork.

    • Auto Insurance:

      • Review your auto insurance policy to ensure it provides adequate coverage for your vehicles.

      • Evaluate if any changes have occurred that may affect your coverage, such as changes in your driving habits or new drivers in your household.

      • Consider if you need additional coverage options like roadside assistance or rental car reimbursement.

    During the review process, you may want to consult with your insurance agent or company to discuss your specific needs and any potential discounts or savings that may be available to you. Remember that insurance policies should be regularly reviewed and updated to ensure they align with your current circumstances and provide the necessary protection.

  It's advisable to consult with a licensed insurance agent who can guide you through the process and help you make informed decisions based on your individual circumstances.