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.
However, contrary to popular belief, insurers don't try to avoid paying claims. We publish claims figures every year, and in 2022, we paid 99.4% of life insurance claims and 93.5% 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.
Explore more frequently asked questions
Whether you want to change your details, make a claim or understand more about our products, you can find answers to FAQs by category.
FAQ search tool
Not found the answer you need yet? If you have a particular question, try our FAQ search tool.