Time to review?

After taking out insurance many people mentally file it away in a 'bottom drawer' and forget about it.

However, life is constantly changing, as are your needs.

You may have moved house, had a child or changed jobs; all are events that call for a review of how well you and your family are protected.

People often cancel their insurance just when they start to need it most, sometimes because they simply can't afford it any more.

An alternative solution to stepped premiums is to take out what we call level premiums at the outset. Stepped premiums have a lower premium initially, but as the years progress your insurance becomes more expensive. Where as level premiums stay reasonably constant, and are especially affordable as you get older.

So talk to your adviser and see what is best for you.