A protection gap rather than a savings recommendation

A client supporting two dependents has a substantial mortgage, limited accessible savings and a small existing life policy. Most of the policy’s premium supports a savings feature, and the client has not checked the amount payable on death or the conditions affecting it. An adviser proposes another high-premium savings policy without first measuring the household’s protection gap. The client wants to preserve enough monthly cash for essential bills and school expenses. No exact tax advantage, product return or future underwriting decision is assumed in this case. The exercise asks for an orderly needs assessment and comparison of alternatives rather than a recommendation to buy a named insurance product.