The start of a new year can be a great time to give your financial life a check-up.

While you’re thinking about your goals or resolutions for the year ahead, you might take the opportunity to think about the insurance policies you have in place to financially protect what matters most.

Here are a few things to consider if you’re reviewing your insurance heading into 2026, to make sure it still suits your needs, lifestyle and financial situation.

New year, new insurance?

Everything can feel fresh at the start of a new year. This may present an excellent opportunity to review your insurance cover, too.

If the new year brings a new job or other life changes, you have an opportunity to make sure your cover aligns with that.

Even if you are expecting more of the same in 2026, you may have new goals which make an insurance check-up appropriate.

Why update your insurance?

Insurance policies can stay with you for a long time but there are times in life where it is important to check and make sure they are still a suitable fit.

New job: If you have income protection policies and have moved into a new job, new business or new career, you may need to check whether your insurance needs to change with you.

Relationship changes: Entering a serious relationship, or leaving one, can necessitate changes. Your SHARE adviser can talk to you about things like who should own your policies, and your priorities for your cover.

Children: Having children adds a new layer of responsibility to many people’s lives. If you’ve recently added to your family, your insurance may need to reflect that.

New home or debt reduction: Taking on a new mortgage, or paying one off, can also affect the type and level of insurance cover you need.

Small changes can make a big difference

Your changes may not need to be huge. It may be a case of adjusting the sums you have insured, removing or adding benefits to your policies or updating your details.

Making small changes to your insurance as your life evolves can help keep it current and ensure you have appropriate financial protection in place, no matter what life throws your way.

Regular small changes can be more effective and efficient than making large changes all at once.

Your protection portfolio

Your insurance policies may work best when you look at them as a puzzle with various bits fitting together.

Your SHARE adviser can chat to you about how your health, life, trauma and income protection policies, for example, might interact if you encountered certain events.

Reviewing your policies as a whole portfolio, rather than piece by piece, gives you an excellent opportunity to see whether you are getting the optimum financial protection.

We are here to help

At SHARE, our expert team can help with any insurance questions you might have. Get in touch with us to schedule an insurance check-up, so that you’re ready to head into 2026 with the peace-of-mind that excellent insurance cover can provide.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.