Insurance Vulnerability Test

1. How confident are you that your life insurance would fully replace your income for your family if you died unexpectedly?



2. Do you have critical illness or long-term disability cover that reflects your current lifestyle and commitments?



3. How well do you understand the conditions and exclusions of your existing policies?



4. When did you last review and update your cover levels and beneficiaries?



5. Do you feel you’re overpaying for policies that may not actually fit what you need?