When Life Changes
Life moves in seasons — and your insurance should keep up.
Whether you just got married, welcomed a new baby, changed jobs, or moved into a new home, these moments don’t just shift your lifestyle — they impact your financial protection too.
If you’re living in Olathe, Overland Park, or Lenexa, here’s what to review after life’s big moments to make sure your coverage still fits your needs.
Got Married or Moved in Together?
Marriage isn’t just about rings and registries — it also brings shared responsibilities, assets, and risks.
What to check:
- Update beneficiaries on life insurance and retirement accounts.
- Combine home or renters policies for possible multi-line discounts.
- Add each other as drivers on your auto insurance policies.
Local Tip: Bundling home and auto can lead to big savings in Johnson County.
Had a Baby or Added Dependents?
A growing family means growing financial responsibilities. Your life insurance should reflect your new role as a protector.
What to check:
- Increase life insurance coverage to replace income and cover future expenses (like college).
- Add your child to your health insurance or ask about coverage options if you’re self-employed.
- Consider disability insurance to protect income during the early child-rearing years.
Paul’s Take: As a dad and an agent, I can tell you — life insurance brings peace of mind like nothing else when life changes.
Bought a Home or Moved?
Whether you upsized in Overland Park or downsized in Lenexa, your homeowners or renters insurance needs to reflect your new address.
What to check:
- Ensure your coverage limits reflect the replacement cost of the new property.
- Check for endorsements like sewer backup, sump pump failure, or service line protection.
- If you moved into a flood zone, ask about flood insurance (not included in a standard policy).
Reminder: Mortgage lenders often require specific coverage — but those limits might not be enough.
Got a New Vehicle or Teen Driver?
A new car or teen behind the wheel? That changes your auto policy needs immediately.
What to check:
- Update your policy to reflect your new car’s value.
- Review liability limits — especially with inexperienced drivers.
- Ask about safe driving discounts or telematics programs.
Pro Tip: Teens in Olathe and surrounding areas may qualify for good student discounts.
Switched Jobs or Income Levels?
Whether you started a business, got a promotion, or retired early, your financial protection needs to adjust.
What to check:
- Review life and disability insurance needs — especially if you lost employer-provided benefits.
- Update contact information on all policies.
- Consider umbrella insurance for higher income or asset protection.
Bonus: If you’re self-employed now, let’s talk about business liability and health coverage.
Final Thought: Insurance Isn’t “Set It and Forget It.”
Life doesn’t stand still — and neither should your insurance.
It’s not about spending more — it’s about making sure when life changes, you’re protected where it matters most.
✅ Let’s Review Your Coverage Together
At TCG Insurance Solutions, I help families across Olathe, Lenexa, and Overland Park stay ahead of life’s curveballs. We’ll take a fresh look at your coverage and adjust it to match your current season — affordably and confidently.
Call Paul at (913) 390-3220 or Contact Us by using the form below.
Author: Paul Carrigan
Licensed agent in Kansas, Missouri and Ohio.
