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When Life Changes, Your Insurance Needs Might Too – June 2025

When Life Changes, Your Insurance Needs Might Too – June 2025

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The need for protection often becomes clearer during key moments in life. Buying a home. Starting a family. Taking on more responsibility at work.

These moments can prompt us to consider not just what we have, but what we would want to happen if something changed.

Whether you arranged cover some time ago, took it out elsewhere, or have never explored it before, there is value in checking where things stand.

Life does not stay the same, and neither should the insurance you have in place.

You may have:

  • Moved to a new home or taken out a larger mortgage
  • Welcomed children or become the main source of financial support
  • Changed careers or become self-employed
  • Separated from a partner, or entered into a new relationship
  • Experienced a health issue that shifted your outlook
  • These are all reasons why your current cover, or lack of it, might no longer feel right.

We help people with several types of protection, including:

  • Life Insurance, which provides a lump sum to your loved ones if you pass away.
  • Critical Illness Cover, which pays out if you are diagnosed with a serious medical condition listed in your policy.
  • Income Protection Insurance, which offers monthly income if illness or injury stops you working.
  • Family Income Benefit, which delivers regular payments to help your family manage household costs if you are no longer around.

Each one is designed to ease financial pressure during difficult times. In many cases, the right answer is a combination, tailored around what matters most to you.

What you need at one stage of life might not be what you need later on. That is why reviewing cover from time to time is so important.

We speak to people who simply want to understand their options. Some are starting fresh. Others are looking to adjust what they already have.

Our role is to listen, to support, and to make sure whatever is in place truly offers the peace of mind it is meant to.

Protection is personal. If you would like to talk about yours, we are here when the time feels right.

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Author Image of Malcolm Davidson - Managing Director of UK Moneyman Ltd.

About the Author

Malcolm Davidson

Managing Director of UK Moneyman Ltd.

Malcolm is one of the UK’s most well-known and respected Mortgage Advisors. He is passionate about providing a 5* customer experience and he has also trained and mentored dozens of fellow Advisors in a career that is now in its third decade.

In addition to his day to day duties as Managing Director, Malcolm still gives out mortgage advice and feels lucky that his job is also very much his hobby.

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UK Moneyman Limited is Registered in England, No. 6789312

Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.

© UK Moneyman Limited 2025.

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