Like most people, David had the insurance that he thought he needed.  He was responsible about paying his premiums and renewed his policies each year.  But he had not reviewed his insurance for many years and never with someone who was not trying to sell him something. 

Working with his financial planner, they reviewed his policies and discovered some areas where he did not have adequate coverage to protect his assets and some areas where he was over-insured.   As a result, David made changes to his insurance policies, had better coverage, and saved over $900/year on his premiums.