My salary has gone up: should I increase my cover?
It is worth reviewing. A higher salary often means your household relies more on your income, so your life, critical illness and income protection cover may no longer be enough. Income protection is usually linked to earnings, so a rise may mean you could insure more. Speak to your insurer or adviser about your options.
Income protection
Check the benefit amount against your new earnings. Some policies let you increase it, sometimes without full medical questions.
Life and critical illness
Think about whether a payout would still cover your family's living costs at their new standard of living.
Employer benefits
Death-in-service and sick pay may also have changed. Factor these in.
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