Ml business | LOOKING AT INSURANCE Lifestyle chang MOST PEOPLE don’t spend much time thinking about their life insurance. Most people are unlikely to think of making changes in their policies where events of significance to.the policies occur. Nothing wrong with this. There’s enough going on in our daily living to keep the grey cells occupied. But these significant events do come along now and then and they should be looked after with policy changes. Ex- ample: a man’s insurance By MARILYNNE A. KING policy names his new bride as beneficiary. Six years later a SPACE FRAMES Is a modular system of orientally-inspired sliding or fixed screen panelling designed to provide a unique way of solving privacy and space problems by North Van- couver inventor, Hans Christian Jensen. FROM ONE PRO first child is born.- For one reason or another the family’s insurance agent is not aware of the new arrival; if the husband thinks of his coverage at all, he'll think of its adequacy. He probably won’t think of naming his new pride and joy as con- tingent beneficiary (this means the child’s status as beneficiary is contingent S$ po upon the mother’s death). It’s not a vital change. The chances of his wife meeting death the same time he does isn’t- high. But since it could happen, and it is a.simple change, it’s worth doing. If it isn’t done and mom and dad are killed in an‘acci- deni,the policy’s proceeds go into the estate instead of be- ing paid directly to the child (or to the child’s guardians). This still may not be a disad- vantage — but it could be. Other times when benefi- ciary changes may be called for: where a first child is -named as contingent beneficiary, but a subsequent space ORIENTALLY-INSPIRED translucent panels are being introduced by a local manufacturer as a unique way of solving privacy and space problems. Space Frames is a modular system of sliding or fixed screen panels that can be in- stantly installed into any standard office or home. Crafted in stained hemlock and light-diffusing plastic, the system was designed by Hans Christian Jensen, a Scandinavian inventor, who now operates his company, Jensen Design, at 262 East First Street, North Vancouver. No tools are necessary to put the interlocking strips of wood together, which pro- vide a strong rigid framework for the translucent panels. Spring-mounted = eight-foot poles enable the partitions to A. E. LEPAGE REAL ESTATE SERVICES LTD © REALTOR REAL ESTATE Privacy and child is forgotten; where a policy has parents as beneficiaries and wasn’t changed when the policy- owner married; when a cou- ple has broken up, it might not occur to either party to change policy beneficiaries. There are other reasons to consider one’s life insurance coverage from time to time and this is why your agent of- fers to review your policies periodically. If your changed circumstances mean you need more coverage, that’s a situa- tion the agent will happily ac- commodate. But the main reason for review is to make sure your insurance program is doing what it was set up to solver be installed in any standard height room. The versatile units have countless applications and make an ideal project for every do-it-yourselfer. Starting at $100, the units are presently available at all Woodwards stores; Dan In- teriors, Park Royal South, and Masalla Galleries, 1140 Lonsdale, North Vancouver. y needs B3 - Wednesday, January 4, 1984 - North Shore News do. It’s part of the ongoing program service the con- scientious agent is ready to provide when you become a client. The fact is, a review could easily disclose a reduced need for coverage — and this even- tuality will be considered in my next column, along with some of the other things that might be looked at in your policy. Marilynne A. King is a North Shore life insurance agent, licensed by Manufac- turers_ Life. She may be reached at 681-5411 to answer any questions about her column. 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