Why is my premium higher than the quote, or higher because of my health?
Quotes are usually based on standard terms. Once the insurer assesses your full application, including your health, lifestyle and family history, it may offer cover at a higher premium or with an exclusion. This is called underwriting. The insurer or your adviser should explain why the terms changed.
Your options
You can accept the terms, ask whether another insurer might offer better terms, or decline the cover.
Can it be reviewed later?
If the reason, such as a health condition, improves, some insurers will review the extra premium on request.
Accuracy matters
Always answer application questions fully and honestly. Incorrect information could affect a future 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