Archive · 4 Sep 2026
Review Life and Health Protection as Responsibilities Change
Life insurance should not be treated as something you buy once and forget.
As your income, family and debts change, your coverage may need to change too.
Asit Rath of Aviva suggests reviewing life cover every two or three years.
Important events like marriage, a child’s birth, a home purchase or a large loan are good reasons to review it sooner.
Your insurance should help your family manage if your income stops.
It should also help with debts and future goals such as education and retirement.
Health protection matters too, even when you feel healthy.
Regular check-ups, health insurance and an emergency fund can help protect your future.
Asit Rath recommends reviewing life insurance every two to three years or after a major life event.
Marriage, having a child, buying a home, taking a large loan or receiving a significant income increase can trigger a review.
Life cover should help replace lost income, repay liabilities and support goals such as children’s education and a spouse’s retirement.
People in their 30s should consider regular check-ups and screenings, including monitoring blood pressure, blood sugar and cholesterol.
Long-term protection should combine insurance, preventive healthcare, physical activity, balanced eating, stress management and an emergency fund.
- Who
- Asit Rath, CEO of Aviva, provides recommendations for people reviewing their life and health protection.
- What
- The guidance explains when to review life insurance and how to include preventive healthcare, health insurance and emergency savings in financial planning.
- When
- Life cover should be reviewed every two to three years and after major life events; preventive healthcare should be practiced regularly.
- Why
- Income, family responsibilities, debts and health risks can change over time, potentially making existing protection inadequate.
- Recommended life-cover review
- Every two to three years
- Earlier review triggers
- Marriage, a child’s birth, buying a home, taking a large loan or a substantial income increase
- Life-cover purpose
- Replace lost income, clear liabilities and support long-term financial goals
- Suggested health monitoring
- Blood pressure, blood sugar and cholesterol
- Protection components
- Health insurance, life cover and an emergency fund
- Additional health measures
- Physical activity, a balanced diet and stress management