Cost-of-living pressure makes insurance feel like the first thing to cut, but that choice can leave you exposed when life turns. We dive into the real-world tactics that keep cover affordable and effective—without sacrificing the protection your family relies on. With Rebecca at the mic, we break down how stepped premiums work, why CPI drives annual increases, and when it makes sense to pause, pare back, or reconfigure your policy so it’s fit for the season you’re in.
We walk through hardship suspensions that preserve insurability without forcing you through underwriting again, and the risks you need to weigh while cover is paused. Then we dig into CPI removal as a lever to slow premium growth and keep cash flow sane. Most importantly, we show how regular policy reviews align your benefits with life changes: mortgages shrink, kids grow up, incomes shift, and your risk profile evolves. If you’ve lost touch with your original adviser or moved cities, we explain how any qualified insurance adviser can help you reassess your cover quickly and clearly.
For new parents, we spotlight easy wins: adding a newborn to your health policy within the first three months without medical underwriting, and leveraging built-in children’s trauma benefits many policies include. Throughout, our focus stays on practical steps that keep you covered through the messy middle—when money is tight but risk hasn’t gone away. If you’re weighing cancellation, listen first and learn how to adjust, right-size, and protect what matters most.
If this conversation helped you rethink your cover, subscribe to the show, share it with a friend who needs it, and leave a review with your biggest takeaway.
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