Why would you decline a claim?

If the condition you're claiming for isn't covered by your policy, or if the policy wasn't in place when what you're claiming for happened, we would decline the claim. When you apply for cover, it's important that you make sure your answers are true, full and accurate, or this could impact any future claim.

We carefully consider all claims and aim to be as transparent as possible with our customers. In 2025, we paid 98.7% of all life insurance claims. This includes life insurance, terminal illness, over 50s life insurance and whole of life insurance claims combined. We also paid 90.7% of critical illness claims across all of our critical illness products, which is a combination of critical illness, children's benefit and total permanent disability.*

If you're unsure about anything when applying or claiming, please contact us.

*Source: Individual Protection Claims data covers the period from January to December 2025, and includes data from Aviva Protection UK Limited.