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.

However, contrary to popular belief, insurers don’t try to avoid paying claims. We publish claims figures every year, and in 2018, we paid 98.9% of life insurance claims and 92.6% of critical illness claims.

When you apply for cover, make sure your answers are true, full and accurate, or this could impact any future claim.

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