How are the selected funds allocated?
Review the underlying holdings and whether the portfolio contains overlapping exposures or risk levels that no longer suit your objectives.
Existing plan review
Hansard policy review.
Get a clearer picture of your Hansard plan and the options available to you. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Hansard website · Terms and availability depend on your contract
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Your starting point
Understand what you already have.
Rather than relying on generic assumptions about Hansard products, we assess the specific policy version, your fund selection and the current documents.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
A plan-specific discussion
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Review focus
Three areas worth exploring.
01
Check current valuation and holdings
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Understand policy-specific fees and restrictions
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Review whether your investment mix still fits your objectives
Assessment depends on current documents, your objectives and the specific contractual conditions.
Hansard policy questions
What should you check before changing anything?
Hansard policyholders may have contracts issued at different times with different investment access and charging terms. The product name, issue date and contractual documents help determine which fees and restrictions are relevant.
Which charges apply to this contract?
Look for policy-level charges separately from the ongoing costs within selected funds; neither should be guessed from another product version.
What is the current servicing process?
Check who can provide statements, discuss fund options and handle instructions under the terms of your Hansard policy.
Documents that make a review more useful
Current portfolio statement, fund list, policy schedule and written charge disclosures.
You can read our guide to understanding a policy valuation before sharing a statement.
Can a Hansard policy be assessed using only its current balance?
Not meaningfully. Contributions, dates, withdrawals, fees and policy conditions are needed to understand the result.
For questions about your current adviser, see financial adviser second opinions.
Already know your provider?
Go directly to a review page tailored to your existing plan.
Policy review directory
Your existing provider. A fresh perspective.
Explore reviews for existing plans. Provider names are shown for identification only; no affiliation or endorsement is implied.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Take the next step
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
Choose a convenient time
Prefer to speak with us?
After sending your details, book your free review call directly on this page. You can choose a time that suits your time zone.
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Expat Wealth Desk · Review Call
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Frequently asked
Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.