Guaranteed Insurability Options

This valuable facility allows a Member to increase their cover by up to 10% of their current benefit (subject to usual conditions and not exceeding 65% of their income), without supplying medical information, when one of the following ‘lifestyle’ events occurs*:

• Marriage or entry into a civil partnership.
• Birth or legal adoption of a child to the Member or the Member’s partner.
• Increase of earnings.
• On taking out or increasing a mortgage on the Member’s primary residence.

*Evidence of the above events will be required.

In addition, cover can also be increased every fifth anniversary of the start date of the contract.