It May Be Time for a Financial Checkup It’s never a bad time to speak with your financial professional about changes in your situation. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Your Shifting Risk Tolerance Time and market performance may subtly and slowly imbalance your portfolio. Dog Bites Neighbor. Now What? Even dogs have bad days. So, what happens when your dog bites a neighbor or passing pedestrian?