Life assurance - increasing benefit query

alfiecat2005

I have been looking at assurance quotes and wondered if anyone could help me.
I understand that if I get a Family Income Benefit policy with Increasing Benefit payments then the premiums and payouts increase in line with inflation.
I have in mind a £40000 pa policy.
But if I was to meet my demise in say year 5 of a 25 year policy I am not sure whether this yearly payment would be frozen at the initial level of £40000 plus 5 years of CPI increases eg £40000 + 5 years at 3% = £46371. Obviously I would prefer if the inflationary increase was still added after the policy was claimed on but is this the case, either generally or is a particular insurer neeeded for this?
Any help is appreciated.

property.advert

I hadn't thought about that. I'd concentrated on the amount rising over time (as well as premiums) and then paying out for the remaining term but crystallising the amount payable was overlooked.

I am sure that what we hope to obtain is an increasing benefit but I too welcome a definitive answer.