Whether its life insurance, critical illness cover or sickness protection, its our job to ask you about it because we don't want it to be our job to tell your family you didn't have any!  Life insurance is a bit like fixing a leak in your roof - it needs doing, but the longer you leave it the more expensive it becomes!  Because we are independent, we can search the whole market to find a policy which meets your needs at a price you can afford.  We can advise where "normal" companies might decline you (perhaps because of past health issues), or where your requirements are complex.  We can review your existing arrangements and look to save you money on your current cover and the best bit is, you're under no obligation to take our advice - so there really is no reason not to have your cover reviewed!