Can someone else manage the policy for me?
Yes, with the right permission. You can authorise someone you trust to talk to the insurer about your policy. If you lose capacity, someone with a lasting power of attorney for financial matters may be able to manage it. The policy owner remains the same unless the policy is formally assigned.
Third-party authority
The insurer will explain how to add someone. You can usually choose what they can do, for example discuss the policy but not change it.
Power of attorney
A lasting power of attorney must be registered before it can be used. The insurer will ask for a copy.
Trusts
If the policy is in trust, the trustees have responsibilities set out in the trust deed, which can include acting if you are unable to.
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