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Can I Alter my Life Insurance Policy?

It's important to regularly review the cover you take out, as your situation is likely to change over time. Marriage, divorce, having more children, re-mortgages, career changes; all these are typical reasons why customers may need to change their cover.

Some policies are more flexible than others. Most types of policy enable customers to make some changes to their cover, but there are conditions that have to be met.

If you want to reduce the cover, either by reducing the sum assured or the term, it is much easier to arrange for this to happen, because the risk to the insurer is reducing.

If you want to increase your cover, we can advise you on the best way to do this. You may be able to simply change the policy you already have in place, but it will depend on why you need to change it and how much by. The good news is you may be able to do this without any further underwriting, meaning that any changes in your health since you originally applied will not affect the cover.

You may though not be able to change your existing policy to the extent that you need to. If this is the case, we can look at what is going to be the best option for you. It may be suitable to arrange a completely new policy for you, or just a top up plan for the additional cover you need.

It all depends on what you need to change, and on the cover you already have in place. You may need less cover, you may need more. The important thing is that you remember to review the cover you have every couple of years to ensure you and your family are properly protected.

Just give us a call on 0800 316 3166 if you think you should alter your cover and we will be happy to help you!

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If you require help, have questions or queries or if you would prefer to speak with an adviser call:

0800 316 3166

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