How should we assess if we are over-insured?

Hi,

Well, getting a 2nd opinion to housekeep your current policies would be recommended.

Over-insured could also mean a wide protection Gap in other areas too.

So once you have tabled out all the policies you current have, FA would then be able to give their commentary during the financial review.

It's then up to you to think and decide on the next course of actions.

Hope it helps.

Thank you.

Talking to other insurance agents might help. I mean there is no harm to seek for 2nd or 3rd opinion from different people/agents.

But of course, provided the agents are genuine and is not someone who solely just want to close another deal from you. 😂