Life insurance should be reviewed to ensure coverage matches dependents' needs.

• A. To maximize investment returns from life insurance.
• B. To ensure coverage matches dependents' needs after death.
• C. To minimize premiums regardless of coverage.
• D. To avoid beneficiary designations.

Answer: (B)

Matching protection to dependents' financial needs after death is the core idea. Life insurance is there to provide financial support for those who depend on the insured, so reviewing the policy ensures the death benefit remains enough to cover essential costs—replacing lost income, paying outstanding debts, funding education, and covering final expenses. As life changes—new children, paying off a mortgage, income shifts, or rising costs—the amount and terms of coverage should be updated to stay adequate. Regular review helps prevent being underinsured, which could leave dependents financially strained, or overinsured, which means paying more than necessary for protection. The aim is to keep coverage aligned with current needs, not to chase the lowest premium or to pursue investment-like gains, and to keep beneficiary designations current so the money goes to the right people.