We asked Jared Fenwick what questions are coming up most often in client reviews at the moment. The themes are practical: people want to know whether their cover still fits, whether they are paying for the right things, and what happens if illness or injury affects their income.
The first question is usually whether life, trauma, health or income protection still matches the client’s current situation. Mortgages, incomes, dependents and savings can change over time, but insurance settings are often left untouched for years.
The second question is around affordability. Premiums can rise, and clients often want to know whether there are sensible ways to manage cost without making a drastic change.
The third question is about claims: what would actually happen if they needed to use the cover? This is where advice helps. It is not just about having a policy, but understanding what it is there to do.
- Have your mortgage, income or family circumstances changed?
- Have premiums increased and made you question the structure of your cover?
- Would your current cover still support the outcome you originally wanted?
A review does not always mean changing everything. Often it simply confirms what is working, identifies any gaps, and gives you a clear next step.