Last edited: 15 Mar 2019 at 11:36 PM We (my wife and I) are coming near the end of the 20 year term of a Life Insurance Policy. We're considering our options at the end of our policy, whether to continue or take out a new policy, etc. It's quite a while (15 years+) since we took out the original policy, and obviously don't recall all the details discussed at the time, but do recall the topic of 'continuation' coming up. We have a copy of a signed 'Reason Why' letter, sent by our adviser at the time (together with Policy Document), stating that a Continuation Option was included. It goes on to explain that at 'the close of the 20-year term a new policy can be taken out without evidence of health'. But when we look through the Policy Document now we see that Continuation is not included. ('Protection Continuation Option?' No.) To complicate things slightly, the adviser we dealt with is now retired, although the business has been transferred on to another reputable financial adviser. My questions are: Do we have any grounds now to have the Continuation Option re-added? Should we pursue that directly with the Insurance Company, or the Adviser?