Income Risk
If work had to pause?
Your salary supports more than today. What would still need paying if you had time away from work?
Ask which income needs your current arrangements address.
Protect Income • Health • Family • Assets
Life moves on. Has your cover?
A policy you chose years ago may tell a different story today. A new home, a growing family or a change at work can bring new questions. Discover what your protection review could uncover.
IncomeProtect cash flow
01MedicalProtect savings
02FamilyProtect dependants
03Critical IllnessProtect recovery
04AccidentProtect against shocks
0501 / Key Personal Risks
Which part of life would you want protected?
Risk management starts with what matters to you. Choose the question closest to your life and ask how savings and protection could work together.
Income Risk
Medical Risk
What would you pay yourself?
Having medical cover is a start. Knowing its benefits, limits and your share of the costs makes it easier to ask the right questions.
Ask what is included, excluded or limited in your policy.
Family Risk
Who relies on you today?
A partner, children or parents can change your priorities. Does your plan reflect the people you now support?
Ask how new family responsibilities affect the review.
Critical Illness
What about time to recover?
Treatment is one part of the picture. Time off work and day-to-day needs are also worth discussing.
Ask how recovery-related benefits differ from medical cover.
Accident Risk
How does accident cover fit?
Different policies can respond to different events. Find out what an accident benefit adds to the protection you already have.
Ask where benefits overlap and where the differences matter.
02 / What a review is really for
Before adding more, understand what you have.
A review can begin with your existing cover. Bring the policy you find confusing or tell us what has changed. You do not need to know the terminology.
Share
Start with the people, income and commitments that matter most.
Review
Look at what you already have and what you want explained.
Understand
Ask about gaps, overlaps, limits and what fits your budget.
Plan ahead
Understand which questions need follow-up before changing anything.
03 / Your protection options
More cover? Start with the right questions.
The useful question is how a plan fits your life. Savings, everyday precautions and insurance have different roles—an advisor can help you explore them.
Build a buffer
- Consider the unexpected costs you could cover from savings.
- Ask how much you need to keep available for everyday commitments.
- Discuss where savings alone may leave a gap.
Reduce the impact
- Review the monthly commitments that matter most.
- Explore practical steps that may reduce everyday risks.
- Ask how a change in work or family life affects your plan.
Understand your cover
- Find out what your existing policies are designed to cover.
- Understand the benefits, limits and costs before deciding.
- Ask about exclusions, waiting periods and claims requirements.
04 / Common Questions
Before you get in touch.
Does a review mean I have to buy another policy?
Not necessarily. Start by understanding your existing cover. The conversation can identify questions to check before you decide whether any change is needed.
What if I have a small budget?
Tell the advisor what you can comfortably afford and which responsibilities matter most. Ask about priorities, costs and the trade-offs before choosing anything.
Can someone explain a policy I already have?
Start with the part you do not understand. Ask the advisor which policy details are needed to discuss benefits, limits and unanswered questions.
ONE QUESTION IS ENOUGH TO START
What might you discover in your own policy?
Tell an i~Life advisor what you have and what has changed. Start with the question you have been meaning to ask about your protection.
This page is provided for general educational purposes only and does not constitute financial, insurance, legal, tax or investment advice. Appropriate solutions depend on individual circumstances, needs, budget, policy terms and exclusions.