I have several policies: is that a problem?
Not necessarily. Several policies can cover different needs, such as a mortgage and family income, or different people and terms. Review them together to check there are no unnecessary overlaps and that the total cover matches what you need. For income protection, multiple policies may not all pay in full.
Make a list
Note each policy's insurer, cover, term, premium and whether it is in trust.
Look for gaps and overlaps
You may find cover you no longer need, or a gap such as no income protection.
Tell your family
Make sure someone knows about every policy so none is missed in a claim.
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