Last edited: 11 Jan 2019 Any help much appreciated Was with EBS - took out protection through them with Irish Life. Changed to Ulster, at the last stage of the switch we were told our protection is non-transferable - Block Policy?? Do not remember being clearly advised of this. May be in the terms, but I guess that is significant enough of a term that must be pointed out clearly. UB said no probs, you have 30 days to put one in place. Since we took out original cover, my partner has had to have a medical exam, and a follow up is due in late Feb. Irish Life (and I presume other insurers, have not sought quote yet though) will not offer a new policy until the results are available, which could be end of March. I have complained already that the terms of the original cover were not fully explained to me. Any advice is most welcome. Cheers. EDIT: the swich has already gone ahead - we are now UB customers - I am just concerned cover may be denied based on results - though we do expect that to be good news at least.