       
 
 
 5.0 
   Top Rated Service 2026 
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

Protection & Insurance Review

How Often Should I Review My Insurance & Protection?

Your protection policies play an important role in safeguarding you and the people who depend on you. However, as life changes, your protection needs can change too.

BOOK PROTECTION REVIEW CONTACT OUR TEAM

    
 
 
      Posted on Google  
   
   Molly Johnson 
 19 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Wouldn’t go anywhere else! Holly made me feel at ease throughout the process and was very professional.
  
 
     Posted on Google  
   
   joe tolster 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service, Christine was very polite, friendly and responses were always swift. Even keeping an eye on our application whilst returning from holiday. Highly recommend
  
 
     Posted on Google  
   
   Susan Newman 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. If anyone is looking for a Mortgage I would thoroughly recommend Christine, she goes above and beyond looking at all options available to suit your needs.
  
 
     Posted on Google  
   
   joe Davis 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Christine has managed our mortgage for several years since we moved into our first home. She makes the process incredibly easy and understandable and goes above and beyond to ensure everything stays stress-free. We highly recommend her to anyone.
  
 
     Posted on Google  
   
   Tony Lawrence 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Always helpful. Highly recommended 😊👍
  
 
     Posted on Google  
   
   Oliver Sourmenidis 
 9 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Clare Cheeseman has been exceptional to deal with in helping us secure our mortgage and additional services provided. She is always on hand to offer her help & support and compared to other advisors we dealt with was happy to go the extra mile to ensure we had secured the best product that we were comfortable with. She responds to any queries we have had very quickly and is a credit to the Beals wealth management team, would highly recommend! Thanks Again Clare for all your help :)
  
 
     Posted on Google  
   
   Maxine Clark 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service from Alex. Cares about the person as an individual.
  
 
     Posted on Google  
   
   Beverley Williams 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Kieran was very helpful in explaining the policy and kept in touch regularly.
  
 
     Posted on Google  
   
   Tracy Doyle 
 26 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Pension Services Review I was very pleased with the pension services I received. The process was handled professionally and efficiently. Daniel Pyle was helpful, friendly, and clear when explaining my options. Any questions I had were answered promptly, which made the whole experience straightforward and reassuring. Overall, I would recommend their pension services to anyone looking for reliable and professional support with their pension.
  
 
     Posted on Google  
   
   Steph Tully 
 13 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Olivia Nelson is excellent in her field of financial mortgage advice. She's patient, knowledgeable and caring so you feel the mortgage journey isn't arduous. She took into account that we hadn't gone through a mortgage application in many years and adapted her management of our application to meet us, our age and our lack of current  knowledge. She settled nerves. Often made and took calls outside of hours to meet with my busy worklife. She explained every step of the way, and the costs involved. Her communication was always timely, informative and easy to understand. She is highly recommended 👌 👏

How Often Should I Review My Insurance?

Most people set up their insurance once… And then forget about it.

But here’s the uncomfortable truth:

Your life changes. Your risks change. Your mortgage changes. If your protection hasn’t changed with it, you could be dangerously underinsured.

In this guide, we'll explain:

How often you should review each type of protection

The warning signs your cover is out of date

The financial risks of not reviewing

And how to make sure your family and home are fully protected

Why Reviewing Your Protection Policies is Important

According to the Association of British Insurers (ABI):

• Insurers paid out £8 billion in protection claims in 2024

• 96.5% of life insurance claims were paid

• 80% of income protection claims were paid

• The average critical illness claim was over £68,000

Claims are being paid. But here’s the issue:

• Many people don’t have the right level of cover when they need it.

Meanwhile:

• 1 in 4 people will experience a mental health issue each year (Mind UK)

• Around 1 in 2 people will be diagnosed with cancer in their lifetime (Cancer Research UK)

• The average household would struggle after just a few months without income (MoneyHelper data)

Protection works. But only if it’s set up properly, and kept up to date.

How Often Should You Review Each Type of Insurance?

1️⃣ Income Protection

Recommended review: Every 12 months (or after salary changes) Income protection replaces part of your income if you can’t work due to illness or injury.

You should review income protection if:

Your salary has increased

You’ve changed jobs

You’ve become self-employed

Your employer benefits have changed

Your mortgage has increased

⚠️ Many people are underinsured because their income has risen but their cover hasn’t.

If your income has increased by £10,000 since taking out cover, your policy may no longer reflect your lifestyle or financial commitments.

Book Your Free Income Protection Review

BOOK HERE

2️⃣ Life Insurance

Recommended review: Every 1–2 years and after major life events.

Life insurance should be reviewed when you:

Get married

Have children

Increase your mortgage

Move house

Start a business

Take on new financial commitments

If you took out life insurance 10 years ago:

Your mortgage may have increased

Property prices have likely risen

Inflation has reduced the real value of your cover

⚠️ The cost of living has changed significantly, your cover might not stretch as far as you think.

Book Your Free Life Insurance Review

BOOK HERE

3️⃣ Critical Illness Cover

Recommended review: Every 12–24 months. Critical illness pays a lump sum if you're diagnosed with a serious illness such as cancer, heart attack or stroke.

Medical definitions evolve. Policies improve. Cover options expand.

You may need a critical illness review if:

You’ve increased your mortgage

You now have dependants

Your policy is over 5 years old

You’re unsure what conditions are actually covered

Many older policies:

Cover fewer conditions

Have outdated definitions

Offer lower payouts compared to modern plans

Book Your Free Critical Illness Review

BOOK HERE

4️⃣ Mortgage Protection

Recommended review: Every time you remortgage. This is critical.

When your mortgage changes:

The term may extend

The balance may increase

Interest rates may change

If you remortgaged but didn’t review your protection, your cover may no longer match your mortgage.

And with UK mortgage rates fluctuating over recent years, many households are now financially tighter than when they originally arranged cover.

Book Your Free Mortgage Protection Review

BOOK HERE

5️⃣ Family Income Benefit (FIB)

Recommended review: Every 1–2 years. Family Income Benefit pays a monthly income (rather than a lump sum) if you die during the policy term.

Review your family income benefit if:

You’ve had another child

Your childcare costs have increased

Your partner has reduced working hours

Schooling costs have changed

This is one of the most underused but powerful types of protection, especially for young families.

Book Your Free Family Income Benefit Review

BOOK HERE

6️⃣Buildings & Contents Insurance

Recommended review: Annually (at renewal). With UK weather events increasing and rebuild costs rising, underinsurance is a growing issue.

You should review buildings & contents insurance if:

You’ve renovated

Added an extension

Purchased high-value items

Property rebuild costs have increased

Underinsurance can reduce claim payouts, even if the insurer approves your claim.

Book Your Free Buildings & Contents Review

BOOK HERE

When Should You Immediately Review Your Protection?

You shouldn’t wait for the “annual reminder” if:

• You’ve had a baby

• You’ve increased your mortgage

• You’ve changed jobs

• You’ve started a business

• You’ve separated

• You’ve inherited money

• You’ve taken on new debt

Life events = protection review. No exceptions.

The Cost of Not Reviewing Protection

Let’s be direct.
If your protection hasn’t been reviewed in 3–5 years:

Your income may have increased

Your mortgage may be larger

Inflation has reduced cover value

Your lifestyle costs have risen

That gap could mean:

Mortgage shortfall

Inadequate income replacement

Financial stress during illness

Family struggling after bereavement

Protection is not “set and forget”. It’s “review and adjust”.

Book Your Free Protection Review

BOOK HERE

Book a Free Protection Review

We offer a free, no-obligation protection review, covering:

Income Protection

Life Insurance

Critical Illness

Mortgage Protection

Family Income Benefit

Buildings & Contents

Business Protection

Whole of Life Insurance & Gift Inter Vivos

Underinsurance can reduce claim payouts, even if the insurer approves your claim.

We'll Identify:

Gaps in cover

Overlaps

Cost savings

Areas of risk

Don’t Wait Until You Need It

The harsh reality:

• You can’t arrange protection once you’re ill.

• You can’t backdate cover after a diagnosis.

• You can’t increase life cover once it’s too late.

• The best time to review your protection is before you need it.

BOOK REVIEW CONTACT US

Free Protection & Insurance Reviews

Fill in your details below and one of our experienced advisers will be in touch to discuss your protection review, your options, and answer any questions you may have.

Our consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you.

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Protection & Insurance Review

How Often Should I Review My Insurance & Protection?

How Often Should I Review My Insurance?

Your life changes. Your risks change. Your mortgage changes. If your protection hasn’t changed with it, you could be dangerously underinsured.

Why Reviewing Your Protection Policies is Important

How Often Should You Review Each Type of Insurance?

1️⃣ Income Protection

Book Your Free Income Protection Review

2️⃣ Life Insurance

Book Your Free Life Insurance Review

3️⃣ Critical Illness Cover

Book Your Free Critical Illness Review

4️⃣ Mortgage Protection

Book Your Free Mortgage Protection Review

5️⃣ Family Income Benefit (FIB)

Book Your Free Family Income Benefit Review

6️⃣Buildings & Contents Insurance

Book Your Free Buildings & Contents Review

When Should You Immediately Review Your Protection?

The Cost of Not Reviewing Protection

Book Your Free Protection Review

Book a Free Protection Review

We'll Identify:

Don’t Wait Until You Need It

Free Protection & Insurance Reviews

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