What could trigger a review of a unit linked critical illness policy?

A review of a unit-linked critical illness policy could be triggered by investment underperformance. This is because these types of policies link the value of the policy benefits to the performance of underlying investments. If the investments do not perform as expected, it could affect the cash value of the policy and the overall benefits that the policyholder might receive in the event of a critical illness claim.

The policyholder may want to assess their options if the investments are not yielding satisfactory returns, which could lead to discussions on changing the investment strategy, adjusting premiums, or even altering the coverage to better align with their financial goals. Ensuring that the policy meets the intended financial protection requirements is crucial, particularly in the context of serious health events that could impact a person's financial stability.