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Bob keeps an eye on the things that usually matter for cover. Here is your household, and what it noticed lately, with a suggestion for each. You are always in control: nothing changes on its own.
This roster is what Dana and your adviser can see. Any change to cover is indicative until a licensed adviser confirms it with you.
These are suggestions from Bob (AI), not advice. They are a helpful starting point. Nothing is added, priced for real, or changed until a licensed adviser reviews it and confirms with you. Every figure below is indicative.
When a new baby joins a family, cover usually needs a look. Here is the kind of change Bob would raise with you.
A new child usually means more years of income to protect and future costs like education. More cover keeps the plan you already have in step with a bigger family.
When a mortgage comes into the picture, life cover often needs to stretch to match. Here is an example.
If something happened to you, this extra cover could pay off the mortgage so your family keeps the home without the loan hanging over them.
When your income rises, it is worth checking your cover keeps pace. Here is an example.
Life cover is often set as a multiple of income. On a higher salary, the same cover can fall short of replacing what your family relies on.
Ava is 9, and children's cover changes as they move through age bands.
As children move through age bands, their cover and its price can change. Bob will flag anything worth a look, and nothing changes without you and your adviser. There is no figure here yet, because there is nothing to change today.
Ava's health-data consent is due for its regular review.
Bob reviews health-data consent regularly so you always know what it holds and why. Ava's details are kept in-region and never sent offshore, and you can review or withdraw the consent any time.
Your adviser can talk it through and only recommend what genuinely helps.