If your clients' circumstances change during the life of their plan, they can update or rework their cover to better suit their needs. Your clients or their family can make a claim when the person covered dies or meets our definition of a terminal illness.
To protect against the effects of inflation, your clients can increase the amount of cover over the term of their plan:
There’s no need for your client to give us any medical information if they’re getting married or divorced, increasing their mortgage, receiving a salary increase or becoming a parent. All they need is evidence to support the request for an increase. The same applies if your client wants to increase their cover for inheritance tax (IHT) planning or to cover an increase in their business’s value or certain business liabilities. However, if your client wants to increase the amount of their cover for any other reason, they may need to supply medical information.
For full terms and conditions see our plan details