Can I make changes to my policy?

While you can usually make amendments to your life insurance policy, it might result in higher premiums.

You should also keep your insurer up to date with any changes in circumstance or you might invalidate the cover.

In fact, you should regularly review your policy to make any changes you might need, such as marriage, a new home or a new addition to the family.What is critical illness cover?

Critical illness cover is a common extra people add to their life insurance. It pays out a lump sum if you are diagnosed with a serious condition during the term of your policy. However, most policies only pay out once, so if you claim, your family would not be able to claim again on your death.

Also, the list of conditions is not exhaustive, so check the small print for what is listed.