Make a claim
Let’s get your life insurance claim started
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
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:
Phoning in the UK
Phoning from abroad
Monday to Friday: 8:00am - 6:00pm
Saturday: Closed
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.
Bought your policy with another provider?
The number you need to call is under the provider's name:
Friends Provident
Bupa Health Insurance or Friends Life
AXA
AXA Sunlife Direct
Winterthur
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.
Want to make a waiver of premium claim?
If you’re incapacitated and unable to work, you may be able to make a claim, so we cover the cost of your premiums for a while.
Life articles
Take a look at our latest news and guides.
Over 50 life insurance and cancer
If you have over 50 life insurance, or are thinking of getting it, you might wonder if having cancer in the past, present or future might affect your cover or any potential payout.
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.
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.
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.
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.
Term life insurance vs over 50 life insurance – which is right for me?
Over 50? Is life insurance or over 50 life insurance right for you? Here’s what to look out for.
Should I get life insurance in my 50s?
Hitting the half century opens up your life insurance options. But which one’s right for you?
Should I buy a single or joint life insurance policy?
Understand the difference between both policies.
Want to switch your life insurance policy?
You might regularly review or change your car or home insurance policy. But is it worth doing the same with your life insurance?
Understanding life insurance
Explore our different types of cover.
Linda's Story
Within a few years of taking out critical illness cover, Linda received some bad news, completely out of the blue. Fortunately we could help her during this difficult time.
What's the difference between life insurance and life assurance?
Life insurance and life assurance are terms that are often used interchangeably – but is there a difference?
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.
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.
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 2021 we paid out over £1bn in protection claims to help over 50,000 people and their families.