....yep - confirms what I said - you need to get the right advice upfront !
Should you increase your hours p.a at a later point this should not affect your policy in any way. No harm in letting them know if you wish to though.
The public's scepticism of life assurance and insurers due to 'non payout' is to some extent understandable. - Although I think this is often fuelled by news stories or watchdog programmes that don't always give a balanced analysis.
You do sometimes hear stories of critical illness claims not being paid out. Its not happened in my experience but I am aware it does very occasionally occur. ( I think you'll find the industry average of declined cases is around 5 % - usually due to non disclosure which is largely avoidable)
For life cover the declined payout rate is negligible.
At the end of the day the paradox with life cover is that , when the chips are down , you actually hope it will be a waste of money - ( i.e. that no claim will ever be made ) - and there are few products which fall into that category !