What to expect
- Tell us you need to make a claim by phone or online, so we can get the process under way
- We’ll ask you to send us an original death certificate and any other documents we need
- We’ll get in touch about your claim and explain what happens next, keeping you updated along the way
- If your claim is successful, we'll usually pay out within five working days. If we can't pay out, we'll explain why
Ways to start your claim
It’s easy to make a claim against a life insurance policy — just call us or fill in our online form.
Try to have this information ready before you start:
- The name of the person who has died
- Your relationship to them
- The cause of death
- The policy number, if you have it
- Your contact details
Make a claim online
Just follow the steps and answer the questions in our claim notification form, and we’ll get things moving for you.
Make a claim over the phone
If the policy was bought from us, here’s the number to call to make a claim over the phone:
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.
Bought your policy with another provider?
The number you need to call is under the provider's name:
Bupa Health Insurance or Friends Life
AXA Sunlife Direct
Looking for something else?
Need to make a critical illness cover claim?
If you’ve been diagnosed with or had surgery for a critical illness your policy covers, you can make a claim.
Take a look at our latest news and guides.
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
How much critical illness cover do you need?
How to choose 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.
Six important reasons to get life insurance
We regularly see the difference having life insurance can make to families, find out how having cover could make a big difference, when it really matters here.
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.
Think you can't afford life insurance? This might help
Read our 4 top tips on how to make the cost of life insurance more manageable.
Life insurance and critical illness cover: how are they different, and do you need both?
Although similar, life insurance and critical illness policies provide different kinds of cover to help in challenging times. Find out more here.
The difference between income protection insurance and critical illness cover
For a lifeline that’s right for you and your family, we look at the difference between critical illness cover and income protection, find out more here.
Planning a non-religious funeral
Find out about non-religious ways to pay tribute to someone, in a way that’s authentic to the way they lived and their wishes.