1-The landscape of what is available in the insurance and financial industries is constantly changing and evolving. It is important that you are aware of the cutting edge products in the industry that could be a significant upgrade from what you have and save you in premium dollars. You may have an older product that is underperforming severely compared to other potential options, but you leave it simply because you are unaware of other options! It is your advisors responsibility to make you aware of the best options for you on a continual basis!
2-A consultation goes a long way in keeping you informed and educated in your knowledge of how your policies work and why they are important now and in the future. This gives you great peace of mind in understanding how you are protected and what your retirement will look like!
3-You need to know that your advisor is still heavily involved in the business and therefore up to speed with all the current best products in the industry