Once our insurance policies are in place, we often forget about them – probably until the time comes when we may need to make a claim.

But taking a look at your insurance protection from time to time is a wise move. Through our client review service, we’ll look at your protection provision to identify any areas where you need additional cover or ensure that you only pay for the cover you need, rather than paying more in premiums that necessary.

When you’re thinking about insurance, it’s important to remember that a policy that you put in place some time ago may no longer be as appropriate if your circumstances have changed.

It is equally important to think long-term, to ensure your dependants will be adequately protected in case you ever suffer a serious injury, accident or even death, and that you have sufficient cover in the event of long-term illness as you grow older.

It’s also important to take advantage of tax planning opportunities through your insurance. For example, life insurance policies held in trust means that the death benefits are excluded from your estate and from any inheritance tax liability.