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.
What’s the difference between health insurance and life insurance?
Life insurance and health insurance often get mixed up, but they’re not the same thing. Find out about the differences between life and health insurance here.
Life insurance and smoking
If you’re a smoker, many insurance companies will still give you life insurance, but you may find it costs you more.
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.
Life insurance for young people
Life insurance protects your loved ones if you pass away during the policy term, no matter your age. Find out how life insurance can benefit young adults here.
What is mortgage protection life insurance?
Mortgage protection insurance is a type of term life insurance. Find out more about how mortgage protection insurance works, and how it can help you here.
Over 50 life insurance: premiums and paying out
Over 50 life insurance is a way to leave behind a lump sum for your loved ones when you die. Here’s how it works when it comes to paying your premiums and getting a payout.
Codicil confusion: explaining the meaning
Make minor changes to your will with a codicil.
Can you have more than one life insurance policy?
For anyone wondering ‘can I have more than one life insurance policy?’ - the answer is yes! Find out why you might need more than one life insurance policy 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.
Do I need income protection insurance if I’m under 30?
In the time it takes to watch a handful of TikTok videos, you could help get reassurance for the future by taking out income protection insurance.
Do I need income protection insurance?
If you have income protection insurance, you could get money every month to help cover your outgoings if you’re unable to work because you’re ill or injured.
What does our critical illness insurance cover?
Understanding exactly what your critical illness cover policy covers you for can give you peace of mind, when you need it most.
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.