I've got married: does my protection need changing?
It is a good time to review. Marriage often means shared debts, a joint home and a partner who would rely on your income. You may want to increase cover, consider joint or separate policies, update who would receive the money and check whether any policy should be written in trust.
Who would be affected
Think about who would struggle financially if you died or became seriously ill: your spouse, any children and anyone else who depends on you.
Beneficiaries and trusts
If your policy is in trust, check the beneficiaries still reflect your wishes. If it is not, a trust can help the money reach the right people quickly.
Name changes
If you change your name, tell your insurer so their records match your identification.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026