- Posts: 923
That's not that unusual, sadly. In fairness, even when someone takes the time to review what they have or should have and gets all the details, it's not something they give a lot of thought to afterwards, and 2-3 years later, their circumstances may have changed but they've also forgotten what exactly they have.
A good tip is to set a reminder on your phone for 1 month from now with the intention of looking at what you actually have in place. If the reminder goes off and you still haven't done anything, then pick up the phone and do it straight away or it will never get done, until it's too late.