After the three year period customers will be given the choice of continuing with the extra cover with no further underwriting.
At this time customers will be charged a discounted premium (up to 15% off) based on their vitality status.
The higher their vitality status the bigger the discount.
PruProtect’s Ppoduct and actuarial director, Deepak Jobanputra, said: “We want to make it easier for customers to get the cover they need.
"We know that customers tend not to have sufficient cover in place often driven by budgetary constraints.
"By providing extra cover for free upfront, often when budgets are most constrained, we’re helping our customers get the cover they need. This is supported by allowing them to buy up the extra cover without underwriting at a discount of up to 15%.”
