Do You Have Multiple Insurance Policies?

I think a lot of advisors again, sadly circumstances at the time have dictated that the policies that they've put in place and not necessarily relevant now. And so what should they do, because they might be like well I took it out when I was an F1 I'm sorted for life right? Just keep reviewing those policies, keep the policy documents to hand and it can be every four or five years,. just make sure you're having a glance over those policy documents and you're seeing what was my salary when I took this policy out.