Annual review of the policies you hold

For anyone who already holds life, health or savings policies. Cover often stays the same while life changes: marriage, a child, a new loan, a new job. A yearly review keeps insurance a living plan rather than something forgotten for years.

Have your policies or your insurer’s latest annual statement to hand. You enter how many months have passed since your last review, your outstanding significant loans and the life cover you hold, and answer five yes/no questions on changes, beneficiaries, sums insured, terms and indexation.

Sign in or create a free account to save results and share them with your advisor when you choose.

How to read the result

The score (0–100) is the share of the points that apply to you: recent review 25 (full up to 12 months, half up to 24), beneficiaries up to date 15, sums insured at the right level 15, knowing terms and renewals 10, indexation 10. If something important has changed since your last review, it counts as an open point worth 15 until a new review; with a loan, 10 more points are added in proportion to the share of it your life cover would repay.

Below the score you see the points that need attention, starting with the one that costs the most, and — with a loan — the part of it not covered by life cover. The bands are the same in every VÉRO tool: green from 75, amber from 50 to 74, red below 50.

What you can do next

• List each policy’s premiums, renewal dates and main exclusions on one page.
• To check whether your cover fits your life today, take the insurance check-up.
• See whether your documents are ready for a difficult moment with the claim readiness checklist.
• Book an appointment for a yearly review of your policies with an advisor.

If you are signed in, you can save the result to My reports and, only if you choose to, send it to your advisor; nothing is shared automatically.

An educational score, not insurance advice. The answers are your own; the tool does not read your policies or rate products.