Ask how much cover you may need, how long it should last, and whether the policy is level-term, decreasing-term or whole-of-life cover. Check whether premiums are guaranteed or reviewable, what exclusions apply, and how medical history, lifestyle and occupation could affect the application. It is also worth asking how claims are assessed, whether the policy can be placed in trust, and what happens if you stop paying. Compare the policy wording and total cost, and consider speaking to an FCA-authorised adviser or provider if your circumstances are complex.