Want more coverage? No problem! Just be prepared for another round of underwriting—kind of like the insurance company asking, “Are you still in good shape, or have you been living off fries and milkshakes?

This one’s easy-peasy. Got a new baby, got married, or decided your cousin Bob no longer deserves your millions? You can update your beneficiaries without too much hassle.

You might decide to add bells and whistles like critical illness coverage or a child rider. It’s like upgrading your basic burger to a deluxe combo. Costs more, but you get extra benefits.

Want to change how you pay? You can go from monthly to annually or vice versa.

If your needs have changed, you can sometimes reduce your coverage. It’s like realizing you didn’t need the super-size fries after all.

Some changes could mean more paperwork, possible fees, or even a health check. It’s like the insurance company saying, “You sure you want to mess with perfection?

Pro tip: Always talk to your advisor before making changes.