What you can expect when claiming...
*Claims are paid on average within 48 hours of the claim being submitted, based on policy data Jan 2015 – July 2016
Please note that, although we can’t pay the full amount if the policyholder dies within the first year (unless it’s as a result of an accident), we will arrange a full refund of premiums. If the death was as a result of an accident, it must occur within 90 days of the accident and some accidents are excluded (see plan conditions section A1).
We'll confirm our requirements during the call if you're phoning us. We may need to see the original death certificate, copy of the will and letters of confirmation from joint executors or joint next of kin depending on the circumstances.
Yes, the monies we pay will be tax free. However, the payment may form part of the deceased’s estate, and the estate may be liable for inheritance tax.
What do I do first?
The person making the claim can either download the claims notification form or contact us directly. One of our claims advisers will then help to guide you through the process.
What's your response time to enquirers?
We do our best to respond to any enquiries within three days.
Will my claims payment be tax-free?
Yes, the monies we pay to the claimant will be tax free. However, unless the policy was assigned to a third party, the payment will form part of the deceased's estate, and the estate may be liable for inheritance tax.