With 2017 drawing to a close, it is time to carry out an year-end review of your personal finances. Both investment and insurance play equally important roles in ensuring financial strength. While the former helps safeguard a person’s future, the latter provides security to his family in the event that he is not around to take care of them. Despite insurance being of equal, if not more, importance, people rarely include their insurance portfolio in year-end reviews. Insurance-related decisions follow more of a “buy once and continue forever” pattern. This can give rise to problems, given the constant changes taking