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Frequently Asked Questions
We've written helpful guides to answer any questions you may have about life insurance.
About life insurance
- What is life insurance?
- Why do I need life insurance?
- What is level term life insurance?
- What is decreasing term life insurance?
- What is terminal illness cover?
- What is critical illness cover?
- What is serious illness cover?
- What are guaranteed premiums?
Choosing your life insurance
- How much life insurance do I need?
- How long should I take life insurance for?
- Which life insurance provider should I choose?
- What are the next steps?
Life insurance extras
- What does putting a policy in trust mean?
- I have life insurance through my employer - is that enough?
- Can life cover be increased at a later date?
Protected.co.uk
Still can't find what you're looking for?
If you can't find what you're looking for on our site you can talk to us over the phone by calling 0800 524 4153 and we'll be happy to answer all your questions on life insurance.
Can life cover be increased at a later date?
Life insurance can have a Guaranteed Insurability Option (subject to the terms and conditions of your application) which will allow you to change the cover amount without the need for further medical underwriting.
How can I increase my cover?
You will only be able to increase your sum assured if you get married, have a baby, move house or if your salary increases.
The amount the policy can normally be increased by is 30% or £50,000 - whichever is smaller.
Please be aware that your premium will also increase.
