How confident are you that you understand the impact of your personal circumstances on your policy?

This question gets to the heart of how clearly you’ve helped the client connect their life situation to what they’re covered for—and what they’re paying.

When clients truly understand how their health, lifestyle, job, or hobbies influence their policy (and its cost or limitations), they feel:

• More confident in the advice process

• More empowered in their decision-making

• More likely to trust and value your expertise

When they don't? It can feel like a black box—leaving them uneasy or second-guessing.

The highest-confidence responses come from clients who can say, in their own words:

“I get why my medical history changed the exclusions.”
“It makes sense that my occupation added to the premium.”
“I’m clear on what would’ve changed if I didn’t disclose [X].”

Anchor the explanation in their story

It’s tempting to rely on general rules (“Smokers pay more”). But confidence comes from personal relevance. Try:

• “Because you had a back injury in 2020, the insurer applied an exclusion for musculoskeletal conditions.”

• “Your office-based role helped keep the premium lower compared to more hazardous jobs.”

Use everyday language—not insurance jargon

Even highly educated clients can feel lost in underwriter-speak. Test yourself: could your explanation be understood by someone outside the industry?

For example:

• Instead of “rated due to BMI,” try “the insurer increased the premium slightly due to your weight and the associated health risks.”

Make space for questions

Check in with phrases like:

• “Does that make sense so far?”

• “Would it help if I explained that a different way?”

• “Are there any parts that feel unclear?”

Clients may nod politely—but only a gentle prompt can unlock their real questions.

Summarise what’s relevant to them

After you’ve gone through the details, wrap up with a brief summary tailored to their situation:

“So in short, the main things that affected your premium were your asthma and your climbing hobby—everything else had no impact.”

This recap helps clients retain what matters most—and builds confidence that they understand it.

Invite a sanity check

Some advisers find it useful to say:

“If a friend asked you why your premium is what it is, do you feel you could explain it to them?”

It’s a gentle way to confirm understanding—and spot any hidden confusion.

To increase scores on this question, focus on giving clients a clear, personal, and confident grasp of how their unique circumstances affected the policy you helped them put in place.

You don’t need to overwhelm them with every underwriting detail—just help them connect the dots between their life and their cover.

Confidence follows clarity.