I've had a baby—should I review my cover?
Yes, a new baby is one of the most important times to review. Your family now relies on you for longer and costs have increased. You may want more life or critical illness cover, a longer term, income protection if you do not have it, and to make sure policies are in trust with up-to-date beneficiaries.
How long would your family need support?
Many parents arrange cover until their youngest child is expected to be financially independent.
Children's critical illness cover
Many critical illness policies include cover for children automatically. Check yours.
Guaranteed insurability
Some policies let you increase cover after a birth without full medical questions, within a time limit.
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