Review, review, review.
Your insurance needs are going to change as your life changes: when you get married, get divorced, have kids.
During a major-life event like these, make sure you go over your life insurance needs, and make changes when you have to. And because life insurance doesn’t pass through a will, but through beneficiary designations, make sure the insurer knows who you want to get the death benefit.
State Farm Agent, Robert Shimabuku will offer to review your situation on an annual basis. When was the last time your insurance company offered to review your policies with you?