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.

We carefully consider all claims and aim to be as transparent as possible with our customers. In 2024, we paid 98.8% of all life insurance and terminal illness claims. This includes life insurance, terminal illness, over 50s life insurance and whole of life insurance claims combined. We also paid 91.5% 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.*

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.

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

*Source: Individual Protection Claims data from Aviva for the period January to December 2024, including from Aviva Protection UK Limited (formerly AIG Life Limited) from 9 April to December 2024.