When you want to make ad hoc increases to your insurance cover, you typically have to undergo underwriting so that your insurer can reassess your risk. This means you have to answer questions about your health and undergo tests which could mean a higher premium or an exclusion on the new cover. Increasingly, insurers are offering "future insurability" benefits allowing you to: buy more life, disability and critical illness cover, extend your cover, and freeze and reinstate your cover - without being subject to underwriting or providing a declaration of health. But not all insurers' future insurability benefits are alike, and some still insist on an HIV test when they underwrite you for the additional cover. With most risk policies, you have to agree to an annual cover increase that applies on the anniversary of your policy. These increases aren't subject to underwriting. But ad hoc increases in cover most likely will be. You can suspend an annual increase or cancel future increases,...

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