Frequently asked questions

Can I change my coverage later?

Often yes. Many policies let you increase, reduce, or adjust cover as your life changes, sometimes with new underwriting checks.

Do I have to do a medical exam?

Not always. Many applications are decided using online health questions only. An exam is usually needed only for higher cover amounts, older ages, or more complex health histories.

Will my price ever change?

For most fixed‑price policies, your monthly cost stays the same for the chosen term. It can change later if you renew, change cover, or pick a policy type where premiums are allowed to adjust.