Can I extend my policy term?
Some policies allow the term to be extended, but many do not, and extending usually requires new underwriting based on your age and health now. Another option is a separate policy to start when your current one ends. Ask your insurer or adviser what is possible.
Why you might want to
A longer mortgage, children who will be dependent for longer or a later retirement can all mean you need cover for longer.
Cost
A longer term usually means a higher premium, as the insurer is covering you to an older age.
Plan early
Arranging extra cover while you are younger and healthy is usually cheaper.
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