Want to make changes to your policy? Talk to a licensed agent.
Lower your cost, adjust your coverage, or finally understand what you have. One phone call, no forms, and no obligation to change anything.
Call (888) 216-0113- Free call
- No forms
- No obligation
Common reasons people call
Life changes, and your coverage may need to change with it. Options vary by state, age, health, and policy type.
Premium went up
Ask whether a different coverage amount or policy type could fit your budget better.
Term policy ending
Learn what happens when your term ends and what your choices may be.
Need more or less coverage
A new grandchild, a paid-off mortgage, or retirement can change what you need.
Confused by the fine print
Plain-English answers about cash value, riders, and how your policy works.
Comparing options
Hear how other policies compare before you make any change.
Final expense planning
Talk through coverage meant to help your family with end-of-life costs.
Need to change your beneficiary or bank draft?
Only your insurance company can change a beneficiary or update the bank account your premium comes out of. If you're not sure who your insurer is or how to reach the right department, call us. We'll help you identify your insurance company and connect you to them.
- Call (888) 216-0113 and tell us what you need to update.
- We help you find which company issued your policy.
- We connect you with your insurer to make the change.
We'll connect you with your insurer for
- Changing or adding a beneficiary
- Updating your bank draft or payment method
- Address or name changes
- Policy statements and records
We can't change the bank account on your existing policy; only your insurer can. If you decide to apply for a new policy, the licensed agent will collect payment details for that new policy only. We never ask for passwords or security codes.
How the call works
No forms and no waiting for a callback.
- 1
Tap to call
Dial (888) 216-0113 from your phone.
- 2
Tell the agent what you want
Share what you have now and what you'd like to change.
- 3
Decide on your own time
Hear your options. You never have to buy or change anything.
Policies from every major life insurance company
No matter who issued your term, whole, universal, or final expense policy, an independent licensed agent can talk with you about it. Find your insurance company below.
- AAA Life Insurance
- AARP Life Insurance (New York Life)
- Aflac
- AIG / Corebridge Financial
- Allstate
- American Family Life
- American General
- American National
- Americo
- Ameritas
- Assurity
- Baltimore Life
- Banner Life (Legal & General America)
- Brighthouse Financial
- CICA Life
- Colonial Penn
- Columbian Mutual
- CUNA Mutual / TruStage
- Equitable
- Erie Family Life
- Farm Bureau Life
- Farmers New World Life
- Fidelity & Guaranty Life (F&G)
- Fidelity Life
- Foresters Financial
- Genworth
- Gerber Life
- Globe Life
- Guardian Life
- John Hancock
- Kemper Life
- Liberty Bankers Life
- Lincoln Financial
- MassMutual
- Midland National
- Minnesota Life / Securian
- MetLife
- Mutual of America
- Mutual of Omaha
- Nationwide
- New York Life
- North American Company
- Northwestern Mutual
- Ohio National
- Pacific Life
- Penn Mutual
- Primerica
- Principal Financial
- Protective Life
- Prudential
- Royal Neighbors of America
- Sagicor
- SBLI
- Senior Life
- State Farm
- Symetra
- Thrivent
- Transamerica
- United of Omaha
- USAA Life
- Voya
- Western & Southern
- William Penn
- Woodmen of the World (WoodmenLife)
Don't see your company? Call anyway; agents can discuss policies from most U.S. insurers. Company names are trademarks of their respective owners and are listed only to identify policies an agent can discuss. Life Policy Support Desk is not affiliated with, endorsed by, or acting for any of these companies and cannot access your account, process payments, or handle claims with them.
Life insurance policy questions
Can I lower my life insurance premium?
Often there are ways to explore it, such as adjusting your coverage amount, changing policy type, or comparing policies from other insurers. What's possible depends on your age, health, state, and the policy you have now. An agent can walk through your options.
How do I change the beneficiary on my life insurance policy?
Beneficiary changes are made by your insurance company, usually with a signed change form. Call us and we'll help you identify your insurer and connect you with them.
How do I update the bank account for my life insurance payments?
Your insurance company updates bank drafts and payment methods on your existing policy, and we can help you reach the right company. Bank details are only collected if you choose to apply for a new policy with a licensed agent, and only to set up payments for that new policy.
Can I change my coverage amount?
Many policies allow you to reduce coverage, and increasing coverage usually means new underwriting or a new policy. An agent can explain how it would work for your situation.
My term life policy is ending. What are my options?
Depending on your policy, options may include converting to permanent coverage, renewing at a higher annual rate, or applying for a new policy. Conversion deadlines can apply, so it's worth calling before your term ends.
Can I convert term life to whole life?
Many term policies include a conversion option for a limited time, letting you switch to permanent coverage without a new medical exam. An agent can help you understand whether your policy offers this.
What happens to cash value if I change my whole life policy?
Changing or replacing a permanent policy can affect cash value, surrender charges, and taxes. Always understand those costs before making a change.
Before you call
Is this my insurance company?
No. Life Policy Support Desk is an independent service and is not affiliated with any insurance company. We connect you with independent licensed agents who can discuss your options.
Does it cost anything?
No. Calling is free, and there's no obligation to buy or change anything.
Who will I talk to?
An independent licensed insurance agent. A real person, not a chatbot or phone menu.
Should I cancel my policy before calling?
No. Keep your current policy in force. Never cancel existing coverage until any new coverage has been approved and is active.
Will I be asked for my Social Security number or bank information?
Only if you decide to apply for a new policy. Like any life insurance application, the licensed agent will need details such as your Social Security number, date of birth, and bank information for premium payments, and will tell you which insurance company you're applying with first. You're never required to apply, and we never ask for passwords or one-time security codes.
What should I have ready?
Your policy paperwork helps but isn't required. Never share account passwords or one-time security codes with anyone by phone.
Get your questions answered today
One call to a licensed agent. Free, with no obligation.
Call (888) 216-0113 Mon–Sat, 9am–8pm ET