Most people treat insurance like a “set & forget” thing.

Sign up once. File it away. Forget about it.

Here’s the problem → life doesn’t stand still.

Your career changes. Your income changes. Your family grows. Your debt shifts.

But your cover?

It stays the same.

That’s where the risk creeps in.

You change jobs… but your policy doesn’t reflect the new risks.

You buy a house… but your cover doesn’t match the new mortgage.

You earn more… but your benefit hasn’t kept up.

Your premiums keep creeping up… but you’re not checking if there’s a better option.

The truth is, insurance that fit you five years ago might not fit you now.

And you don’t want to discover that at claim time.

So here’s the rule of thumb: review your cover when life changes — or when the costs start climbing.

Because the right protection is only right if it still makes sense for you today.