Hi I wonder if anyone could give me some information. I currently have a life & critical illness policy with standard life on a decreasing term for my mortgage. However as I am about to remortgage and the new mortgage is more money can I increse the sum insured or would I hve to take out a new policy.

Also when I last took out the life & ca policy previously they would not cover me for total and permanent disability as i have arthritis - this diagnosis is currently being reveiwed but I am aware that I need to declare it as the insurance companies will wriggle out of paying if they can!

Should I try and get a new policy covering me for the above and if so where. I don't really understand what total and permanent disability is so any advice would be ppreciated. I am 26.

Thanks