When a Life Insurance with Critical Illness claim might not be paid

There are some claims we can’t pay. These can be broadly summarised into two types; misrepresentation and not meeting the policy definition. 

Misrepresentation is when important information is missed or incorrect in the application form when the policy started. Information which could have meant you would not have been able to take out insurance with us, or had to pay more for your cover. Common reasons are customers not telling us how much they smoke or drink when completing their application form and then dying as a result of lung or liver cancer.

Not meeting the policy definition is when the terms and conditions of the policy are not met. An example of this might be a customer with a terminal illness making a claim, but their doctor has said they will live longer than 12 months (which doesn't meet our terminal illness definition).

More on Life Insurance claims