Reviewing your cover is a key part of life
Most people make the mistake of treating their policy with an "out of sight, out of mind" approach
You would probably sooner do the chores you hate than book an appointment to review your life cover.
You may want to avoid this annual checkup because you are underinsured but can't afford to pay more for cover. Or you may not want to think about life with a disability or your family's life after your death. Or the complex trade-offs a good review involves may be putting you off...