Is my insurance still protecting the life I actually live?

You bought these policies for someone who is not quite you anymore. Maybe that person had no children, or had different debts, or worked a different job, or was married to someone else, or was younger, or was renting, or had no one depending on them at all. The policy stayed still. Your life did not. This is not carelessness. It is simply how time moves — quietly, without asking permission. Insurance bought once and never looked at again becomes a kind of ghost: paid for, but pointed at nothing. Or worse — pointed at the wrong thing, leaving real gaps uncovered while premiums go toward covering what vanished long ago. The fix is not clever. It is plain. Take out the papers. Read them slowly. Ask, for each one: does this still match who depends on me, what I owe, and what I earn? The block was uncarved once. Your life has been carved since. Let the coverage be carved to match.