Prudential Zenith Learn Hub

Is inflation reducing the value of your life cover?

A fixed sum assured can buy less as prices rise, so life cover should be reviewed against current debts, household spending, education costs and dependant needs.

What to check

Recalculate the gap using today’s expenses, compare it with current cover, check whether the policy permits top-ups and price alternatives before replacing anything.

What could change the answer

Do not cancel an existing policy until new cover is active; age and health changes can make replacement more expensive or unavailable.

A practical next step

Review cover annually and after major life changes, then document why the new amount is appropriate rather than choosing a round number.

Reviewed 2026-09-09