Policy review & consolidation
Bring clarity to multiple policies.
Understand what you have before deciding what should change.
Consolidation begins with a careful review.
It is not automatically about cancelling or replacing policies. A review can help organise your cover and identify questions worth discussing.
- Duplicated benefits
- Combined premiums and affordability
- Waiting periods
- Existing benefits
- Replacement consequences
- Potential gaps
Before any policy is replaced
Consider the implications carefully.
A replacement may affect benefits, exclusions, waiting periods, underwriting and cost. These implications should be considered with an adviser before you make a decision.
Request a policy review.
Understand your existing arrangements before deciding whether anything should change.