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If your life circumstances have recently changed, then it may be time for you to re-evaluate your current life insurance policy. For instance, if you recently got married and had a child, then you will probably need to obtain a larger life insurance policy. A recent medical condition will result in a larger policy, as will adding dependents to your policy. On the other hand, if your children have all recently left “the nest”, then you may be able to lower your life insurance policy amount and pay a lower monthly premium.