For adult children and family
Helping a parent with an old life insurance policy?
Maybe you found a premium notice in Mom's mail, or Dad mentioned a policy he's had for decades. You want to make sure it's not quietly lapsing, without taking over. Here's how to help, step by step.
Prefer to talk? Call (619) 679-9225
- Free, no obligation
- Nothing changes without your OK
- Licensed California agency
What to gather
- The most recent annual statement, or any letter from the insurance company
- The insurance company's name and the policy number
- Any recent premium notice, especially one with a new, higher amount
- Who the owner, insured and beneficiaries are (often on the statement)
How it works when you're helping
If a lapse notice has arrived, don't wait. There's usually a short grace period to act, and options shrink once a policy lapses.
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
Questions people ask
Can I talk to you without my parent?
Yes, to understand the situation and next steps. To see policy details or make any change, the policy owner, or someone with legal authority like power of attorney, must authorize it.
My parent is in a care facility. Does that change anything?
It can. Health changes can affect which options make sense, including whether a life settlement is possible. Tell us in the notes and we'll factor it in.
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.
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 a review for your parent
Takes about a minute. A licensed agent will call within one business day, at the time you prefer.
Or call (619) 679-9225