Why April Is the Perfect Time for a Life Insurance Checkup

April isn’t just about blooming flowers and spring cleaning—it’s also an ideal time to take a closer look at your life insurance coverage. As tax season winds down and financial documents are fresh on your mind, reviewing your life insurance policy in April makes perfect sense. Whether you’re a policyholder or a life insurance agent helping clients, this is the month to prioritize protection and peace of mind.

A Natural Financial Checkpoint

Many people treat January as a time to set financial resolutions, but by April, reality sets in. You’ve likely gathered your financial records for taxes, looked closely at your income, expenses, and investments, and maybe even discovered a few surprises.

These insights can—and should—inform your insurance needs.

Doing a life insurance checkup in April is like following up on your financial New Year’s resolutions. It helps ensure your coverage aligns with your current goals, family dynamics, and future plans.

5 Reasons Why April Is the Ideal Month

1. You Already Have Your Financial Info Handy

You’ve just filed your taxes (or are about to), which means your income, assets, deductions, and other financial details are fresh in your mind. This makes it easier to calculate how much life insurance you need to replace income, pay off debts, and secure your loved ones’ futures.

2. Spring Cleaning Mentality

April is when we start organizing, decluttering, and making room for growth. Why not bring that mindset to your financial life? Reviewing your insurance coverage can uncover outdated beneficiaries, insufficient death benefits, or policies that no longer reflect your situation.

3. Policy Anniversaries and Renewals

Many policies are issued in the spring—either due to open enrollment at work or the timing of financial planning during tax season. April is the perfect reminder to look for policy anniversaries, term renewals, or premium increases. Don’t wait for a surprise notice—get ahead of it.

4. Better Weather = Better Health Screenings

If you’re considering a new policy or upgrading your coverage, April is a great time to schedule a medical exam if required. Unlike the winter months, when illness can affect your results, spring typically offers better conditions for accurate health assessments, which can lead to better rates.

5. Agent Availability and Promotions

Insurance agents often launch new campaigns, incentives, and promotions in the spring. If you’re working with an agent or are one yourself, April presents a chance to benefit from seasonal discounts, bundling options, or new product offerings.

What a Life Insurance Checkup Should Include

If it’s been more than a year since your last review—or if you’ve experienced a life change—it’s time to go through these critical aspects of your policy:

• Coverage Amount: Does the death benefit still meet your family’s needs?

• Policy Type: Is your term policy nearing expiration? Would permanent insurance better suit your long-term goals?

• Beneficiaries: Do you need to update primary or contingent beneficiaries?

• Premiums: Are your payments manageable, or are there more cost-effective options?

• Policy Performance: For whole or universal life insurance, how is the policy’s cash value growing?

• Riders: Are there additional benefits you should consider, like long-term care or disability riders?

For Agents: Make April Your Client Check-In Month

If you’re a life insurance agent, April is your golden opportunity to re-engage clients. Frame the conversation around “spring financial wellness” and schedule annual policy reviews.

Here are a few ways to connect:

• Send out personalized emails or postcards reminding clients it’s review season.

• Offer a complimentary “Life Insurance Checkup Call” in April.

• Host a virtual seminar or webinar focused on “Spring into Protection: Reviewing Your Life Insurance.”

• Share educational content about how life changes (marriage, kids, mortgages, retirement planning) can impact coverage needs.

Signs You Might Need a Policy Update

Ask yourself or your clients:

• Did I recently get married or divorced?

• Have I had a child or adopted?

• Have I changed jobs, careers, or income levels?

• Have I bought or sold a home?

• Do I have new financial responsibilities (like caring for aging parents)?

• Am I planning to retire in the next few years?

If the answer to any of these is “yes,” an April policy checkup is a must.

A Fresh Start for Your Financial Future

Spring is about new beginnings. Taking the time now to review your life insurance gives you a clean slate and ensures that your loved ones remain protected, no matter what life brings.

Think of it as planting seeds that will grow into peace of mind for your family’s future.