Making changes to your policy

If "Increasing your cover" is shown in your policy documents after your cover starts, you may be eligible to increase your cover without completing a new application within six months of a life event happening :

• you have a child or legally adopt a child
• you get married or enter into a registered civil partnership
• you get divorced or dissolve a registered civil partnership
• your earnings increase because of a new job or promotion
• you increase your mortgage because you’re moving home or making major home improvements.

Terms and conditions apply.

If you meet the eligibility criteria, your cover can be increased by up to 100% of the original amount each time you use this option, subject to a maximum total increase of £200,000.

If you’re increasing your cover because your mortgage has increased, the increase is also limited to the amount your mortgage has increased by.

If you’re using this option following an increase in earnings, the amount is calculated using the percentage increase in your earnings and the amount of cover you have, subject to the £200,000 maximum.

If you want to increase your cover following one of the specified life events:

• you must have taken out your plan before your 55th birthday
• we must not have applied a premium increase to your cover
• the option isn’t available after your 55th birthday
• the option isn’t available if you’ve been diagnosed with, or are receiving or have received medical treatment for, our definition of a terminal illness
• the rates available at the time of the increase will apply.

Terms and conditions apply. Please read your policy documents for full details.

If you have an L&G Life Insurance or Decreasing Life Insurance policy, you can start a request to increase your cover online through My Account:

1. Log in or register for My Account.
2. Select your Life Insurance policy or choose ‘View your policy details’.
3. Click on ‘Manage my cover’ and select ‘Make a change to my policy’.
4. Follow the questions and select ‘Increase your amount of cover’ when asked what change you'd like to make.

You’ll then be guided through the next steps based on the change you’ve requested.

Depending on your policy and circumstances, you may be able to:

• increase or decrease the amount of cover you have
• extend or reduce the period you're covered for
• remove a person covered by a joint policy
• change how often you pay your premiums, from monthly to annually or vice versa.

Making changes can help keep your cover aligned with your needs as your circumstances change.

Some changes could affect the premiums you pay, and we'll assess any request based on your circumstances at the time.