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There is a type of WOL called 'standard cover', where the premiums are higher to start with but may not be increased in the policy reviews. How to get the best terms. What is included will depend on what you agree with the insurer.

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But your premium may go up. Then you can see if a company is setting impossibly high premiums because they don't want to insure you. Also, make sure you understand the words they use in the policy to define the illnesses covered.

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Then you can see if a company is setting impossibly high premiums because they don't want to insure you. Some life policies have these optional extras. Ask for a proper consultation with their most experienced negotiator. If you are over 70 to 75, it could be every year. You get the basic sum insured only.

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