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The purpose of insurance is to provide financial security by relieving you of the risks associated with financial loss.


A Thorough Review by a Professional

Your personal insurance program is designed to meet your particular financial needs. The purpose of insurance is to provide financial security by relieving you of the risks associated with financial loss. It cannot be emphasized enough that all purchases of life insurance, disability, and long-term care and annuity products should be made for a definite purpose.

It is wise to keep your insurance plans as up-to-date as possible. This can be accomplished through regular program reviews.

Personal circumstances change frequently, affecting your insurance needs. If these changes are overlooked, your insurance coverage will no longer do what it was intended to do. To help keep your program current, you should look over your policies occasionally to see that the insurance provisions are still the same. This website is designed to help you with such a review.

Most advisors review their client's plans with them about once a year. If this is the case, please take the opportunity to call M.J. Vitalbo Agency and arrange for this service. It is essential that you take advantage of this service in order to keep your insurance program up-to-date. Any changes to your insurance should be made after consultation with your insurance advisor.

The following situations will help you identify some of the situations that can create the need for a more indepth review of your program. You should look over this list at least once a year. Remember, you may request a complete review of your insurance needs at any time.

  • Changes in tax law
  • Promotion
  • Retirement
  • Personal income tax changes
  • Establishment of a will or a trust (or a change in one)
  • Acquisition of large amounts of capital
  • Purchase or sale of property
  • Increase or decrease in long-term financing
  • Change in investment plans
  • Purchase or sale of a business
  • Business Associate's death
  • Purchase of Equipment