Remember, as life changes, so does the amount of protection you need, so you should review your cover regularly to ensure that throughout life it is adequate and appropriate for your needs.

Think about how getting married or divorced, having a child, changing your job or getting a mortgage would affect the protection cover you need or already have. Many people never upgrade the amount of cover they have, but as your life changes and the cost of living gradually increases, you might find that your cover is no longer enough.

If you realise you don’t have as much cover as you would like, don’t worry, you may be able to apply for another policy for a new amount, or some companies will allow you to top up the cover you already have.