Insurance Reviews
Occasionally an insurance representative will review your policy in an attempt to update beneficiary designation and to spot other things that may need to be updated. This is done as a service to policyholders and should not be seen as a way to sell you more insurance.
Gaps in your insurance could be found through this service and even things you could be unaware of like financial needs in another area. At that point, your agent can suggest ways to fill in those gaps. These reviews are a good thing and if you are happy with the insurance company and with your agent, you should welcome this service as a way to review your coverage.
If you would rather have an unbiased opinion, you can certainly hire an independent financial planner to do the review for you. In this way you will not feel as if you are obligated to buy more insurance. An independent agent will not be in a position to sell you anything. But, no matter who does the review, you can just make it known that you are under no obligation to make any purchases when agreeing to having the review.