An insurance policy is not a set-it-and-forget-it decision. As a licensed broker, I believe every client deserves a proactive annual review — not just a renewal notice. Life events, regulatory changes, and evolving family needs all impact whether your existing coverage still serves you.
Life changes — so should your protection. Your annual review helps confirm your coverage amounts still reflect your income, dependants, and financial obligations.
If you hold investment or savings products, we will review performance, contribution levels, and whether your strategy still aligns with your goals.
A lot can change in a year. We will confirm your beneficiaries are up to date and that your policy details still reflect your wishes.
A new job, a new baby, a new home — each milestone may create new coverage needs. Your annual review is the right time to reassess and adjust.
Existing clients: use the booking tool below to schedule your complimentary annual review. Reviews are conducted by video call or phone at a time that works for you.
The information on this website is for general educational purposes only and does not constitute financial, legal, or insurance advice. Insurance products are subject to underwriting approval, policy terms, and conditions. Coverage amounts, premiums, and eligibility vary based on individual circumstances. Enie Morales is a licensed insurance broker in the Provinces of Newfoundland & Labrador and New Brunswick. Licence No. NL: 20-83-EM118-1 ; NB: 220035363. This website does not guarantee coverage, specific premiums, or investment returns. Past performance of any investment product does not guarantee future results. No coverage is in force until a policy has been issued and premiums paid.