As the year winds down, many families take time to reset, reviewing budgets, setting goals, and preparing for a fresh start in January. It’s also the perfect moment to revisit one of the most important parts of your financial plan: your life insurance. A quick year-end review can help ensure your coverage still matches your family’s needs, future plans, and long-term goals.   December is an ideal time because life naturally slows down just enough for reflection. You’re thinking about your loved ones. You’re organizing finances. And you’re making decisions about what matters most in the coming year. This mindset makes it easier to evaluate whether your existing life insurance still fits your life today, not the version of your life from years ago when you first bought your policy.   A year-end review often starts by asking a few simple questions. Have you welcomed a new child or grandchild? Changed jobs? Bought a home? Taken on new debt? Experienced a major life change like marriage, divorce, or caring for aging parents? Any of these events can reshape your financial picture and change how much coverage you need. Even if your circumstances haven’t changed dramatically, your long-term goals may have. You might want to increase your protection, lock in lower rates before your next birthday, or explore permanent life insurance options that build long-term cash value.   December is also the last chance to take advantage of the current year’s rates. Since life insurance pricing increases with age and sometimes with carrier adjustments, completing your review before January can save you money. For many families, these savings can make a meaningful difference, especially during a season when budgets are already feeling the strain.   A financial safety check doesn’t have to be overwhelming. Most reviews only take a few minutes and can give you clear answers about whether your policy is still serving you well. And if you’re unsure what to look for, a licensed advisor can help you review your options, explain how much coverage you need, or explore whether a policy upgrade or adjustment makes sense before the new year.   As you wrap up the holiday season and look ahead to a fresh start, consider giving yourself and your family the gift of long-term security. A quick life insurance review this December can ensure you enter the new year protected, prepared, and confident about your financial future.   If you’d like help reviewing your policy or exploring new coverage options, the Pinney team is here to support you every step of the way.