Can I increase the cover on my existing policy?
Sometimes. Some policies include an option to increase cover after life events, such as marriage, a new child or a bigger mortgage, without full medical questions. Otherwise, insurers usually ask you to apply for additional cover, which is underwritten on your current age and health. Ask your insurer or adviser what your policy allows.
Guaranteed insurability options
These let you increase cover within limits after specified events, usually within a set time of the event.
Taking a second policy
Another option is a separate policy for the extra amount. It can have its own term and trust.
Check the cost
Additional cover is priced on your age now, so it may cost more per pound than your original policy.
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