Free, no-obligation policy checkup
Is your life insurance still working for you?
Many policies bought 10, 20 or 30 years ago aren't doing what their owners think. Interest rates fell, premiums rose and families changed. We'll show you, in plain English, where your policy stands and what your options are.
Prefer to talk? Call (619) 679-9225
- Free, no obligation
- Nothing changes without your OK
- Licensed California agency
Which of these sounds like you?
I bought universal life before 2010
Many were projected at 7%+ interest. With lower rates since, some are underfunded and may run out years early.
Is mine at risk? →My term policy is ending
When a 20- or 30-year term ends, premiums can jump sharply, and conversion options have deadlines.
Know your deadline →I don't need it anymore
Kids grown, mortgage paid, business sold. A policy you no longer need may be worth more than its surrender value.
See your options →I'm helping a parent
Found an old policy or a lapse notice in Mom or Dad's mail? Here's how to help without taking over.
How to help →How it works
- 1
Tell us about your policy
A one-minute form or a quick call. Your most recent annual statement helps, but isn't required.
- 2
We get the real numbers
With your signed permission, we request an up-to-date projection (an "in-force illustration") from your insurance company.
- 3
You get a plain-English review
We walk you through what we found and every option you have, including keeping things exactly as they are. You decide.
What you get: a one-page answer
No jargon and no sales pitch. Your review summarizes what your insurance company's own numbers say, then lays out every realistic option side by side, including keeping things as they are.
- How long your coverage lasts at today's premium
- What the cash value and surrender value really are
- What each option would change, and what it would cost
- Deadlines you shouldn't miss (like term conversion)
You keep the review either way.
Policy Review Summary
Universal life · Issued 1999 · Owner age 71
- Death benefit
- $750,000
- Current annual premium
- $9,400
- Coverage lasts to
- Age 83 at current premium
- Cash surrender value
- $41,200
Options reviewed
- Keep as is. Coverage likely ends before life expectancy.
- Adjust premium. Extends coverage; shows the new cost.
- Reduce coverage. Keeps premium the same, lasts longer.
- 1035 exchange. New policy, subject to health underwriting.
- Sell (life settlement). If coverage is no longer needed.
What we might find
Often, keeping your current policy is the right answer, and we'll tell you if it is. Other times, there's a better path:
Any change depends on your age, health, goals and underwriting approval. We never recommend cancelling a policy before new coverage is in force. We don't give tax or legal advice; please consult your own advisor.
Who reviews your policy
Your review is done by licensed life insurance professionals at HSK Insurance Solutions, a California-licensed agency based in San Diego. We specialize in policies people already own: checking how they're really performing and explaining the options in plain English.
- LicensedCA agency license #0I06343 · verify it with the state
- Local4719 Viewridge Ave, San Diego
- Plain EnglishWe explain; you decide
- No pressureOften the answer is "keep it" and we'll say so
The 1-minute self-check
Five quick questions. You'll get a plain answer on whether a review makes sense, and why.
Questions people ask
What does the review cost?
Nothing. The review is free and there's no obligation. If you decide to make a change, we're paid by the insurance company, as licensed agents typically are.
Will you cancel or change my policy?
No. Nothing changes unless you decide it should, in writing. We never recommend letting a policy go until any new coverage is fully in force.
What do I need to get started?
Your most recent annual statement is ideal. If you can't find it, the insurance company name and policy number are enough. With your signed permission, we request the details for you.
Who will I be talking to?
A licensed life insurance agent with HSK Insurance Solutions, a California-licensed agency (license #0I06343) based in San Diego. Not a call center, and nobody will pressure you.
How do I know you're legitimate?
Good question to ask. You can look up our California agency license, #0I06343, on the Department of Insurance website. We're based at 4719 Viewridge Avenue in San Diego. We will never ask for your Social Security number, bank or card details online, and we never pressure anyone to decide on the first call.
Is my information kept private?
Yes. We use your information only to review your coverage and contact you about it. We don't sell your information. See our privacy policy.
What is a 1035 exchange?
Section 1035 of the tax code lets you move the cash value of one life insurance policy into another without paying tax on the gain at that time. Whether it makes sense depends on your health, costs and goals. We'll show you the trade-offs, including any surrender charges and the new policy's contestability period.
What is a life settlement?
A life settlement is the sale of a policy you no longer need to a third party, typically for more than the insurer's cash surrender value. It's generally available to people 65 and older or with certain health changes. Proceeds may be taxable, so please talk with your tax advisor.
Not ready to talk yet?
Get our free guide, 7 Questions to Ask About an Older Life Insurance Policy. Read it at your own pace, and share it with your spouse or advisor.
Get the free guideRequest your free review
Takes about a minute. A licensed agent will call within one business day, at the time you prefer.
Or call (619) 679-9225