30/10/2026
Have you ever agreed to speak with a financial consultant, only to feel that the conversation was heading towards buying a policy before your needs were fully understood?
Experiences like this can leave people feeling guarded. Over time, even a conversation about reviewing their protection can feel like another sales pitch.
That hesitation is understandable. But it can also mean putting off important questions about their own coverage.
To me, financial planning should be like tailoring a suit. A tailor takes your measurements, understands your preferences and considers how the suit needs to fit your life.
Insurance planning deserves the same care.
Before discussing a policy, the conversation should explore:
• Who depends on your income?
• What financial commitments would continue if you could no longer work?
• If a critical illness interrupted your career, how much financial support would you need—and for how long?
• What protection do you already have?
• What premiums can you comfortably sustain?
When the process is done properly, assessing your financial needs is like taking accurate measurements for a suit. It helps you find protection that fits your circumstances, budget and goals—while avoiding unnecessary spending on plans that don’t serve your needs.
A review may reveal a gap, or it may show that your existing protection already meets a particular need. Understanding that is valuable too.
Changing perceptions of the financial services industry takes time. But you don’t have to wait for those perceptions to change before understanding your own protection.
Start by knowing what you have, what it covers and whether it still fits your life.
Because protection isn’t one-size-fits-all. A good fit starts with the right questions.
