Compare Your Existing Policy
Not sure if your current policy is still good enough? Upload it here for a free, expert review.
Your policy may be outdated, missing modern conditions, or simply poor value. I use professional analysis to compare your cover against today's best options—showing you clearly where you stand.
Why It's Worth Checking Your Policy
Our Thorough Checking Process
Most "policy reviews" just compare prices and a few features. We go much deeper to check whether your cover is set up correctly and will actually pay out if you ever need it.
As part of our robust checking system, we look at:
Amount & Term Verification
We check that the amount of cover and policy term match what you thought you were buying – and that they still line up with your mortgage, debts, income and family needs today.
Cover Verification
We confirm whether the type of cover (life cover, critical illness, income protection, family income benefit etc.) is appropriate for your situation – not just what was cheapest at the time.
Application Form & Disclosure Issues
We review how your original application may have been completed. This includes checking for:
- •Potential non-disclosure of medical or lifestyle information
- •Human error (yours, the insurer's, or the adviser's)
- •Automated decisions where no GP report was taken
Any of these can affect whether a future claim is paid in full, reduced, or declined.
Trust & Beneficiary Checks
We check whether your policy is written in trust and if the right people are named as beneficiaries. In many cases, policies are not in trust – which can cause delays, tax issues and money going to the wrong people.
Our goal is simple: not just to compare your policy, but to check whether it's robust, correctly set up, and genuinely fit for purpose.
Why Putting Your Policy in Trust Matters
Many life policies in the UK are not written in trust – and most people are never told why that matters.
If your policy is not in trust:
- •The payout may be paid into your estate, rather than directly to your chosen beneficiaries.
- •This can cause delays while your estate goes through probate.
- •The lump sum could increase the value of your estate for inheritance tax (IHT) purposes.
- •The money might not automatically go to the people you intended – especially if your will is out of date or you don't have one.
When we review your policy, we'll highlight:
- •Whether your policy is currently in trust
- •The practical implications if it isn't
- •Whether it may be worth considering a trust arrangement for faster, cleaner payment to your loved ones
We don't give tax advice, but we will flag issues and, where appropriate, suggest you speak to a qualified professional.
Getting Your Medical Information Right
One of the biggest risks to any protection policy is inaccurate or incomplete medical disclosure.
Best practice before taking new cover – or replacing existing cover – is to:
- •Download the NHS App and review your GP records, or
- •Speak directly to your GP surgery to obtain a copy of your records
Many insurers now use automated application journeys to avoid the cost and delay of GP reports. That means:
- •Your answers on the application form are often the main basis for the insurer's decision
- •If something important is missed, forgotten, or not recorded accurately, it may only be picked up later
- •Insurers can carry out spot checks months after the policy starts, sometimes using services such as digital medical records (e.g. Medidata)
In some cases, these checks have led to:
- •Withdrawal of terms
- •Increases in premiums, or
- •Claims not being paid due to misrepresentation or non-disclosure
As part of our checking process, we:
- •Encourage you to review your medical history before completing any new application
- •Highlight any areas where additional clarification might be needed
- •Help you give clear, accurate information to reduce the risk of future disputes
How Your Review Works
You upload your policy
Send your policy schedule, quote document, or even a phone photo—I can work with whatever you have.
I analyse it thoroughly
Using professional CIExpert analysis to review conditions, definitions, children's cover, and special features.
I compare against modern options
Your policy benchmarked against today's best plans. You'll see exactly where it stands.
You get clear recommendations
A simple breakdown: keep, amend, or replace. With honest advice about whether it's worth upgrading.
Your privacy is protected
All documents are treated as confidential. Your policy information is secure and will only be used to provide you with a personalised review. No sharing, no marketing, no surprises.