Annual insurance review
A checklist to run after life, job, home, family, vehicle, or residency changes.
Review your cover after marriage, birth, job change, home purchase, mortgage repayment, diagnosis, retirement, pet adoption, vehicle change, or departure — confirming beneficiaries, public benefits, duplicate cover, valuations, and whether cancellation would create a new underwriting problem.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Never cancel an existing health or life policy until the replacement is accepted, commenced, and understood.
Review due: 2026-10-30
Key points
- Update beneficiaries and contact information.
- Re-check public and employer benefits and required death cover.
- Find duplicate liability, travel, bicycle, device, and pet cover.
- Never cancel health or life cover before a replacement has commenced.
What to confirm each year
Confirm beneficiaries, public and employer benefits, mortgage credit-life cover, duplicate riders, outdated driver and household restrictions, building and contents replacement value, flood and earthquake decisions, disability waiting periods, surrender values, renewal ages, overseas residence, and whether cancellation would create a new underwriting problem.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.