Advantages of this type of benefit Our plans are flexible and grow with you as your circumstances change throughout your life, subject to certain criteria: you can increase or reduce your amount of cover extend or reduce the term of your cover you can add or remove benefits increase the amount of cover within 3 months of moving house, getting married or having or adopting a child without having to provide evidence of health move to a new mortgage or family protection plan without having to provide evidence of health if the “Medical Free Conversion” option is selected at the outset avail of a children’s protection package You may also be interested in Income Protection, which provides a monthly income in the event of you being unable to work. For more information, view our FAQs.