Making changes to your policy, also known as Guaranteed Insurability Option (GIO) lets you increase the amount of cover you're insured for without the need to provide any further medical evidence.

You might need to do this at certain key points of your life, for example, if you become a new parent or decide to move to a bigger house. These types of events usually mean that you need more protection.

You can exercise the option to increase cover without further medical evidence if you apply for it within six months of one of the following events occurring:

  • birth of a child or legal adoption of a child
  • you get married or enter into a registered civil partnership
  • you receive a salary increase due to a new job or promotion
  • you increase your mortgage because you're moving home or undertaking major home improvements
  • Divorce or dissolving a registered civil partnership (for applications started after the 26th March 2023).

Eligibility criteria applies, please see your Policy Booklet for full details. 

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