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.
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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?
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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.
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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.