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When you have taken out life insurance your policy is activated, it can be generally amended at anytime. There are certain circumstances that can affect your policy premiums and terms and conditions.

These can be your occupations, if you have a family such as expecting the birth of a new child or even if your debt increases. You will need to update your insurance company provider if any of your circumstances change to enable your policy to be as up to date and as fully covered as it needs to be.

You need to ensure that if something does happen to you that your loved ones will have enough money to maintain the lifestyle they have become accustomed to. If you have moved house and taken a mortgage out or even increased the existing amount you have you will need to increase the amount of life insurance or Critical Illness Cover that you have.