First, decide how much cover you may need, for how long, and whether level or decreasing term insurance fits your circumstances. Compare policies and check exclusions, premiums, policy terms and whether the provider is FCA-authorised before applying. You will usually provide information about your health, lifestyle, occupation and finances, and the insurer will assess the application before offering cover, requesting more information or declining it. Read the documents carefully, keep premiums up to date and tell the insurer about relevant changes when required. If a claim is made, the provider will review the policy and supporting evidence before deciding whether it meets the terms; a regulated adviser can help if you need guidance.