NEW YORK, Sept. 18 /U.S. Newswire/ -- Lives change. Growing families often trade up to a bigger house. Someone with a pay raise might think of getting a better car. But, how many with changing circumstances think about the need to trade up to a better life insurance policy? Turns out... not many.

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That means a more difficult life for surviving family members. In fact, the Insurance Information Institute says that nearly half of surviving spouses would experience a 20 to 40 percent decline in their standard of living if the primary wage earner in the family died.

Life insurance is like money in the bank. And, like a retirement account, the equity can grow. It can be used for almost anything - to pay funeral expenses, debts, and to maintain a certain standard of living. September is National Insurance Month, the time each year to familiarize yourself with your policy and check if you're adequately covered.

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