Policy reviews are often treated as a routine task. Something to check off when a client reaches out or when it’s been “a while.” But the most effective advisors don’t wait for a reason to review a policy. They proactively review the client as a whole. It’s not a policy review. It’s a client review. A policy on its own doesn’t tell the full story. What matters is how that policy fits into the client’s current life, goals, and financial direction. Instead of asking, “Should I review this policy?” A better question is, “Is there a reason to revisit this client right now?” That shift changes everything. When reviews actually become valuable A meaningful review isn’t random. It’s intentional. It’s triggered by things like: A policy in accumulation phase that should be evaluated Changes in index strategies, especially with annuities Life milestones you previously discussed Notes from past conversations that are now relevant For example: Maybe a client mentioned their child would graduate in...