Regular premium policies can be increasing or increasable and may have other options such as critical illness cover or waiver of premium available at outset.
If an increase in the sum insured is requested, this will be subject to new medical evidence unless the policy has a guaranteed insurability provision.
This option allows an increase in the level of cover on the occurrence of certain events such as marriage or entering a civil partnership or the birth of a child. In these circumstances no further medical evidence is needed.
The premium will increase as a result of any increased life cover.