Reviewing Your Cover
Regularly reviewing your life, disability, and health insurance is essential to ensure your cover remains aligned with your current circumstances, financial position, and future goals. As life changes, so do your risks and protection needs. An outdated insurance portfolio may leave you underinsured, overinsured, or exposed to gaps in cover.
Why Regular Reviews Are Important
Ensures your level of cover reflects your current income, debts, and lifestyle
Helps confirm beneficiaries and ownership structures remain appropriate
Identifies opportunities to improve cover, reduce premiums, or update policy features
Keeps your insurance aligned with legislative, product, and insurer changes
Provides confidence that you and your family are adequately protected if the unexpected occurs
Life Events That May Require Changes To Your Insurance
Marriage, separation, or divorce
Birth or adoption of a child
Purchasing or selling a home or investment property
Changes to employment, income, or business ownership
Starting or closing a business
Changes in debt levels (e.g. mortgage increases or reductions)
Approaching retirement or transitioning to part-time work
Staying Protected
You should contact us as soon as possible if any changes occur that may impact your insurance needs
We will also proactively contact you each year to offer a review of your insurance portfolio and ensure your cover remains appropriate