Remortgaging without forgetting life cover

Brokers finish when the rate is set. Cover often stays on the old balance for years. A Protection Gap Review begins with the new redemption statement and a cold look at essential monthly costs.

Map debts to policies

List each mortgage and loan beside each life and critical illness schedule. Overlaps are fine; silent shortfalls are not. Include employer death-in-service so you do not double-count what ends when you leave the job.

Freelancers need a second column

If one partner’s income is irregular, income protection deserves its own line. Many households only insured the salaried earner at application and never revisited the freelance months.

We do not sell the policy

Meridian Trust writes the gap brief. Arranging cover sits with an insurance broker you choose. That split keeps advice about need separate from commission conversations.