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Too many families in Northern Ireland either don’t have life insurance or have the wrong type of cover. In this episode, we reveal the most common mistakes people make with Life Insurance NI — and how you can avoid them.We’ll break down the top errors, including:Underestimating cover needs – choosing a policy that doesn’t cover the full mortgage or enough income to support dependants.Setting the term too short – policies that end while financial commitments remain.Relying on work benefits – employer cover may not be enough, and it usually ends when you change jobs.Not reviewing policies – life changes like marriage, children, or new homes mean cover should be updated.Failing to write policies in trust – leading to delays and possible inheritance tax.Choosing price over quality – the cheapest premium may not include essential features.We’ll also cover misconceptions, such as assuming claims rarely pay out or thinking life insurance is only for older people. With most UK and NI insurers paying out the vast majority of claims, the real risk is not being covered at all.Listeners will also hear practical solutions. We’ll provide a simple framework to check if your cover is sufficient, how to calculate a realistic sum assured, and how often to review your policy.By the end, you’ll have a clear list of pitfalls to avoid and the knowledge to make smarter decisions about Life Insurance Northern Ireland, ensuring your policy truly protects your family.