We're here to pay claims, not wriggle out of them. Read about what you or your family need to do in the event of a mortgage and lifestyle protection claim.
We need to confirm your date of birth to make sure that you have been paying the correct premiums for your amount of cover.
We do our best to respond to any enquiries as quickly as possible. But depending on the type of your enquiry it may take us up to five days to get back to you
Yes, as long as you pay the premiums for your policy yourself from a bank account that is in your name alone, or in the name of you and your spouse/partner.
We’ll pay your claim if, following the waiting period, because of sickness or accident, you’re unable to work. We use different measures to determine whether you're unable to work, and these are explained in section A of the policy conditions. For further information regarding unemployment claims, see our unemployment cover page.
We wish we could pay out 100% of claims, but there are cases when we’re unable to make payment. If we didn’t operate a responsible policy in paying out claims, the cost of cover for everyone else would become prohibitively expensive. Rest assured that we judge all claims on a case by case basis. For further information regarding unemployment claims, see our unemployment cover page.
We won't pay if the claim doesn't meet our definition of what is covered under the plan.
We may not pay out or may reduce the amount we pay if you don't tell us relevant information about your health or lifestyle, or don't tell us about a significant change in your circumstances between when you apply for your policy and when it starts. For example, you haven't told us on your application form that you're already being treated for a particular disease. If you completed the application form truthfully and accurately then you won't have any problems. If you would like a copy of your application form then please ask.
In most cases your cover will stop and your plan will be cancelled if you if premiums are outstanding for more than 60 days. If this happens, then you will not be able to claim.
We won't pay if the term of your plan has finished or you've cancelled the plan.
We won't pay a claim if we find out that it's fraudulent. For example, the insured person's illness isn't real or it has been deliberately exaggerated.
You can phone us
Call our UK-based advisers for more information or a quote:
0800 756 8517
Quoting offer code IELO
Textphone: 18001 0800 756 8517
9am - 8pm Monday to Thursday
9am - 5pm on Friday
We may record and / or monitor calls for training and audit purposes.
We offer advice on LV= products only