What is a guaranteed insurability option?
A guaranteed insurability option lets you increase your cover after certain life events, such as marriage, a new child, a house move or a pay rise, without answering full medical questions again. There are usually limits on how much and how often you can increase, and you must act within a set time of the event.
Why it is useful
If your health has changed, increasing cover through this option avoids new underwriting.
Conditions
The insurer will ask for evidence of the event. Age limits and maximum increases apply.
Check your policy
Your terms list the qualifying events and time limits.
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