The death of a loved one is a traumatic and distressing time. Our qualified and experienced claims teams are trained to guide the family of the deceased through the claims process in a supportive way. We aim to make the process as hassle-free and simple as possible. All documentation and medical information will be handled with great care and in the strictest of confidence. Equally, our teams deal with serious illness and disability claims with sensitivity and professionalism.
Serious Illness or Disability claims
If you have been affected by a serious or terminal illness, or become permanently disabled, you may be able to claim on your life insurance policy. Your financial advisor and our claims team are on hand to see if the benefit applies to your policy and to help you make your claim.
Life Insurance claims
The circumstances and background to a life insurance claim will always call for a sympathetic and diplomatic attitude. Our financial advisors and claims teams are trained to deal with sensitive situations and to give due care and attention to all claims. In some cases, the family of the deceased will deal with the claim. In other cases, a solicitor may look after the settling of the claim.
Settling a claim, step by step
- Firstly, you will need to send a number of documents to your financial advisor such as a claim form, your policy document, your birth certificate and your marriage certificate, if relevant.
- We will contact your GP/specialist to request a medical report for our Chief Medical Officer.
- Your financial advisor will be notified of the receipt of all documents and that the claim is being processed.
- When all necessary documentation has been received, the claim will be processed. Where the claim is admitted, a cheque for the relevant payment will be sent to your financial advisor.
Making a Life Insurance claim
There are a number of steps which your financial advisor, or our claims team, can guide you through.
- You will need to supply a number of documents such as the deceased's original birth certificate and death certificate, grant of probate and an original marriage certificate, where appropriate.
- Your financial advisor will receive written confirmation from us on the value of the policy. We may request a medical report from the life insured's GP on behalf of our Chief Medical Officer.
- When all necessary documentation has been received, the claim will be processed. Where the claim is admitted, a cheque for the relevant payment will be sent to your financial advisor.