What is the most likely reason for an increase in Cathy’s income protection insurance policy benefits without underwriting?

The most likely reason for an increase in Cathy's income protection insurance policy benefits without the need for underwriting is that she has had a baby. When an individual experiences significant life changes, such as the birth of a child, insurance policies may respond accordingly. Insurers often recognize that additional dependents can lead to increased financial responsibilities, prompting a policy adjustment to ensure sufficient coverage.

Moreover, many income protection insurance policies include terms that allow for automatic increases in benefits under certain circumstances, like the birth of a child, reflecting the new financial obligations and the need for enhanced income protection for the growing family. This change does not typically require further underwriting because insurers understand the implications of such a life event on income stability and insurance needs.

While changing jobs, moving houses, or getting married can also have impacts on financial situations, these circumstances do not inherently trigger an automatic increase in policy benefits related to income protection without underwriting evaluations.