Life insurance
Life insurance, explained without pressure.
Organise the documents, people and questions that usually sit behind life cover, income protection and family protection conversations.
Start with the question
Useful questions before a cover conversation.
Use these simple prompts to prepare for a better conversation. They do not tell you to buy, keep, cancel or change a policy.
What do you already have?
Find the policy names, insurer, adviser or broker contact, insured people and any recent renewal letters before starting a review.
What problem is the cover meant to solve?
Separate family, income, debt and business questions so the later conversation starts with the real need rather than a product label.
What can you ask a professional?
Prepare questions about scope, costs, exclusions, changes over time and how any advice will be explained.
Before you decide
Questions worth sorting before a sales conversation.
Use these as preparation prompts. If the answer depends on household, income, debt or policy details, bring that into a qualified advice conversation.
What is the cover meant to protect?
Life, trauma, income protection and related cover can answer different questions. Write down the real-life concern first, then ask a qualified person which product types are relevant.
- Is the concern family income, debt, business continuity or something else?
- Who would need support if something happened?
- Which policies do I already hold through work, an adviser or directly?
Sources checked 6 September 2026
What details might matter before cover starts?
Questions about health, work, income and lifestyle can matter when applying for personal insurance. Keep answers accurate and ask what the insurer needs before relying on a policy.
- What information has the insurer or adviser asked me to provide?
- Do I understand what happens if important details are missing?
- What changes do I need to tell the adviser or insurer about later?
Sources checked 6 September 2026
What can I ask before accepting insurance advice?
Ask the adviser to explain the scope of advice, costs, commission, important exclusions and how the advice connects to the information provided.
- What advice is included and what is outside scope?
- How is the adviser or business paid?
- What are the main reasons this option was suggested?
Sources checked 6 September 2026
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Want help with your next step?
Share your name, topic and preferred contact method. If the answer depends on personal circumstances, a qualified insurance professional can pick it up from there.