I'm now caring for a relative — should I review my protection?
Life insuranceCritical illness coverIncome protection
The short answer
Yes. If someone relies on you for care or money, their situation could be badly affected if you died or became ill. Your cover may need to account for the cost of replacing that care. Caring can also affect your income and work, which may change your income protection needs.
The cost of care
Think about how care would be paid for if you could not provide it.
Your own wellbeing
Some policies include support services, such as counselling, which carers may find useful.
Beneficiaries
Consider whether your policy or trust should provide for the person you care for.
Sources
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