Be cautious of providers or brokers that pressure you to buy quickly, avoid explaining exclusions, or make promises about payouts or premiums that are not clearly supported by the policy. Giving inaccurate or incomplete information about your health, lifestyle or circumstances can create serious problems if you later make a claim. Check the provider or adviser on the FCA Register, read the policy wording carefully and confirm whether cover is guaranteed, reviewable or subject to medical underwriting. If anything is unclear, consider speaking to an FCA-authorised adviser before deciding.