What to expect
If you’re incapacitated and unable to work, we may be able to cover the cost of your premiums for a while. If you’re not sure if your policy includes this benefit, check your policy booklet or give us a call.
Here’s how it works:
- Tell us you need to make a waiver of premium claim by phone or online, so we can get the process under way.
- We’ll send a claim form for you to complete and return, and we’ll write to your employer, if you have one, and your doctor, to confirm some details.
- If your claim is successful, we’ll stop taking your insurance premiums and refund any overpayment. Your insurance policy will remain active for the length of your waiver of premium claim.
Ways to start your claim
It’s easy to make a waiver of premium claim – just call us or fill in our online form.
To speed things up, try to have this information ready before you start:
- the date you last worked
- your occupation, when you last worked
- why you’re unable to work
- when you expect to return
- your policy number, if you have it to hand.
Make a claim over the phone
If you bought your policy from us, here’s the number to call if you want 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.
If the policy was bought elsewhere, the number you need to call is under the provider's name:
Bupa Health Insurance or Friends Life
AXA Sunlife Direct
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.
Looking for something else?
Take a look at our latest news and guides.
What happens to a life insurance policy when someone dies?
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.
How to make a funeral a celebration of life
While the type of funeral can’t diminish the grief felt, it can help make it a joyful celebration of life. Find out more about celebration of life funerals 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.
How much does a funeral cost?
With the cost of funerals rising over the last decade, the cost of saying goodbye to your loved one may come as a surprise to you.
How to plan your funeral
Forward planning the practicalities of a funeral can be a great comfort, here are some of the key things to think about when choosing a prepaid funeral plan.