Insurance needs to be reviewed on a regular basis in order to make certain that your policies and benefits continue to remain relevant to your circumstances.
As part of each review we would examine:
Needs and Objectives - Over time your needs and objectives may alter, e.g. on the birth of a child or the increase of income.
Lifestyle Changes - Changes in lifestyle factors that improve your insurance eligibility or premiums, e.g. you no longer:
- Undertake hazardous pursuits, or
Financial Circumstances - You may alter your debt levels.
Market Conditions - Changes in the insurance market including:
- Policy pricing and terms and conditions, or
- The range of products available and the quality of the issuing underwriters.