Review Whether Your Insurance Cover Is Correct for Your Actual Life

Most people's insurance cover was set up once and not revisited as circumstances changed. The cover that was right when single and renting is not right when there are dependants and a mortgage. This reviews the policies against the actual situation: identifies the gaps and the over-insured areas, names the type most commonly inadequate, and asks the question an adviser would ask that most people never get to.

I have the following insurance policies: [list type and rough cover amount: life insurance, income protection, critical illness, home contents, car, or others]. My situation is: [describe key facts: dependants, income, mortgage, assets]. Help me assess whether my cover is genuinely appropriate, identify where I am over or under insured, explain the type of cover that is most often inadequate in households like mine, and tell me the question an insurance broker would ask that I should be asking myself.