What to expect
- Tell us you need to make a claim as soon as you can, so we can get the process under way.
- We’ll call you for a detailed chat about your job and the condition you have. That helps us get the information we need, and we can line up extra support to help you get better and back in work.
- We’ll ask for medical information, usually from your GP, and proof of your salary before you were off work.
- We’ll tell you if your claim’s successful, and what happens next.
Ways to start your claim
It's easy to make an income protection claim – just fill in our online form or call us.
To speed things up, try to have this information ready before you start:
- your name and contact details
- your policy number
- your condition or symptoms
- your occupation
- your annual salary, before tax
- your GP’s contact details.
Make a claim online
It’s quick and easy – just answer the questions in our online claim form, and we’ll be in touch.
Make a claim over the phone
If you bought your policy direct with us, here's the number to call if you want to make a claim by phone:
Monday to Friday: 8:30am - 5:00pm
Saturday and Sunday: Closed
Calls may be monitored or recorded. Calls to 0800 number from UK landlines and mobiles are free. Numbers that start with 03 are charged at national call rates, and may depend on your network provider.
If you bought your policy with another insurer, the number you need to call will be under your provider’s name:
Bupa Health Insurance or Friends Life
AXA Sunlife Direct
You’ve made a claim: what’s next?
It’s more than just financial help. Here’s the support and expertise we offer to help you get on the road to recovery and back to work.
Rehabilitation case managers
Trained in counselling and work rehabilitation, they’ll give you the advice and emotional support you need.
Your case manager will work with our clinicians to get you back on track. That includes doctors, mental health nurses, specialist physiotherapists, occupational therapists, occupational health advisers and nurse specialists in mental health, cardiology, oncology, orthopaedics, rheumatology, midwifery and women’s health.
Vocational rehabilitation consultants
Our Certified Disability Management Professionals will visit you at home or where you usually work to get a detailed understanding of the support and services you need.
Take a look at our latest news and guides.
How much critical illness cover do you need?
Your critical illness cover amount will be one of the factors of how much you pay in premiums. Find out how much critical illness cover you might need here.
Self-employed income protection: the facts
When you’re self-employed or a contractor, you get the sweet perk of being your own boss, but you wave goodbye to traditional employee benefits like company sick pay.
Life insurance and income protection insurance – what’s the difference?
These two types of insurance provide cover for quite different circumstances.
Paying out when you need it
In 2020 we paid out over £1bn in protection claims to help over 50,000 people and their families.
Do you need a medical to get life insurance?
If you’re avoiding taking out life insurance because you think the application will involve a medical, you might be surprised to hear it’s not always needed.
Can you get life insurance with a pre-existing condition?
From the application process to premiums, here’s what you need to know.
Cancer support beyond claims
Here’s how we’re working with Macmillan Cancer Support to be there for you if you’re living with cancer and have a protection policy with us.
How to plan an eco-friendly funeral
Whether you want to go fully eco-friendly, or just make small changes to help reduce the environmental impact of dying, here are some good places to start.
How to choose a funeral director
It’s worth taking some time to weigh up your options. So here are some useful things to think about, and questions you might want to ask, when choosing a funeral director.
What happens to a life insurance policy when someone dies?
If a loved one dies, and you’re not sure if they had a life insurance policy, or how to make a claim if they did, find out some of the steps you can take here.
Renting? Here’s why life insurance isn’t just for homeowners
Discover more about life insurance
Different types of life insurance for your family
Explore the different types of life insurance for your family
How does life insurance work?
From how much life insurance costs to who gets the money if you die during the policy term, here’s a simple guide to life insurance and how it works.
Mortgage protection when you're buying a home
Whether you’re a first-time buyer, moving up the property ladder or securing a buy-to-let, here’s why you might want to get that financial protection in place.
Safeguarding the family home when you’re gone
Having life insurance can help reduce the financial impact on those left behind. Find out more about safeguarding your home with life insurance here.
Children’s critical illness benefit
The last thing you’ll want to think about is your child being critically ill, but it’s worth considering how you’d manage financially. Find out more here.