Love & Protection: Why February Is the Perfect Time to Review Your Life Insurance
In Hawaii, love isn’t just something we celebrate—it’s something we live. It shows up in how we take care of our ohana, how we plan for the future, and how we make decisions that protect the people who matter most.
February, the month of love, is the perfect time to pause and ask an important question: Are the people you love truly protected?
Life Insurance Is an Act of Love
Life insurance isn’t about expecting the worst—it’s about preparing for life. It’s a financial safety net designed to ensure your family can stay in their home, manage bills, cover debts, and maintain stability when you’re no longer there to provide (Outlook Money, 2025). Reviewing your policy shows you value both their present and future security.
“Regularly reviewing and updating your life insurance coverage is essential to ensure it keeps up with your life’s changes, like marriage, buying a home, or having children.” (The Institute of Financial Wellness, 2024)
Has Your Life Changed? Your Coverage Should Too
Life is constantly evolving, and so are your financial responsibilities. Major life events—such as marriage, childbirth, homeownership, job changes, or changes in income—can significantly impact how much life insurance coverage is right for you (Investopedia, 2025; SchoolOfMoney, 2026).
For example:
Marriage or a new partner often means shared financial obligations.
Children add new responsibilities that may require increased coverage.
Buying a home often introduces significant mortgage debt that should be factored into your protection plan.
These changes can mean that a policy you once purchased no longer aligns with your current needs.
Start the Year With Peace of Mind
Just like your annual financial check-ups, life insurance deserves regular attention. Experts advise reviewing your policy at least once a year and after any major life event to ensure your coverage is adequate and up to date (Investopedia, 2025; SchoolOfMoney, 2026). This gives you clarity that your plan is aligned with your long-term goals.
Protection Is the Greatest Gift
Flowers fade. Chocolates disappear. But proper protection lasts.
Life insurance is one of the most meaningful gifts you can give your family—offering financial security, peace of mind, and confidence during life’s most challenging moments. It ensures your love continues to provide, even when you can no longer be there in person.
This February, celebrate love by protecting what matters most. If it’s been a while since you reviewed your life insurance—or if you’re unsure whether your coverage still fits your needs—now is the perfect time to start the conversation.
At WSB Hawaii, we’re here to help you protect your future, your family, and your peace of mind.
Because protecting your ohana is the ultimate expression of love.
References
Investopedia. (2025, March 3). The importance of reviewing and updating your life insurance coverage as your family grows. Retrieved from https://www.investopedia.com/the-importance-of-reviewing-your-life-insurance-11678765
Outlook Money. (2025, January 13). Why reviewing your life insurance plan is important, especially after major life events. Retrieved from https://www.outlookmoney.com/insurance/life-insurance/why-reviewing-your-life-insurance-plan-is-important-especially-after-major-life-events
SchoolOfMoney. (2026). Top reasons to review your life insurance policy. Retrieved from https://www.schoolofmoney.co/blog/top-reasons-to-review-your-life-insurance-policy
The Institute of Financial Wellness. (2024). The importance of reviewing & updating your life insurance policy regularly. Retrieved from https://www.the-ifw.com/blog/insurance/reviewing-updating-life-insurance-policy/
