Optimum Date for Annual Coverage Review

Reading, listening etc

I see that a common practice is to communicate annually with policyholders in the month preceding their birthdays to review coverage and offer additional coverage prior to a rate change.

I also see that there are two age bases for rates; attained age and nearest age.

Wouldn't that make the most desirable annual contact date the month 7 months before the policyholder's birthday?

That would still be an annual contact and it would give the agent the broadest possible range of "pre-rate change" options to consider in relation to client needs exposed in the annual review.
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