Why review a protection policy you already have?
Because your life changes. A policy arranged years ago may no longer match your mortgage, income, family or health. A review checks that you still understand your cover, can afford it, have the right amount for the right length of time, and that beneficiaries and trusts are up to date.
When to review
After a house move, marriage, separation, new child, job change, pay rise or major health change, and every few years otherwise.
What a review might find
Too little or too much cover, gaps such as no income protection, outdated beneficiaries or a policy that could be in trust.
Keeping what you have
A review is not about replacing your policy. Often the best outcome is keeping existing cover and adjusting it.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026