Advice

Protection & Family Cover Review

Check life cover, income protection and critical illness against real household commitments so gaps are visible before they matter.

Family walking together outdoors

Who it is for

Parents, mortgage holders and anyone whose household depends on earned income.

Result

A protection gap analysis with recommended cover levels and priority order.

Duration

One to two weeks

Fee basis

From £450. Often bundled with personal financial planning.

Scope

Policy audit, needs calculation and recommendation summary.

Included

  • Existing policy review
  • Income and liability gap analysis
  • Prioritised cover recommendations
  • Written summary for your records

Not included

  • Claims handling
  • Medical underwriting decisions

How it works

  1. List policies and monthly commitments
  2. Calculate cover needs against income
  3. Compare options and costs
  4. Document recommendations

Practical notes

Provider: Oakmere advisers

Location: Office or video

Preparation: Policy schedules and mortgage statements are helpful.

Constraints: Insurers decide underwriting; we advise on need and structure only.

Request a protection review