If you're in the market for life insurance or want to adjust the coverage you already have, then start by getting a free online price estimate now so you know exactly what to expect.

Life insurance changes to consider now
Here are four life insurance changes to consider making:

Change policy type
If you have a whole life insurance policy, that doesn't automatically mean you're locked in for life. Instead, you might realize that you're mainly looking for life insurance protection during your working years, for example, so perhaps switching to, say, a 20- or 30-year term life insurance policy makes more sense. Term policies often have lower premiums than whole-life ones, and perhaps you no longer need as much financial security once you're retired, due to a healthy retirement portfolio.

Or, perhaps you want to change from a term to a whole life insurance policy, such as if you don't want to have to re-apply and take a medical exam to obtain new coverage as you age. Some people also like the peace of mind that comes with having whole life coverage, along with the cash value these policies can build.