In 2024, we paid 97%* of all life insurance claims totalling £80m in payout.
We won't pay out on claims due to misrepresentation and fraud. This happens when important information is missed off 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 been able to get insurance cover with us without paying more for your cover.
Common reasons are customers not telling us how much they smoke or drink when completing their application form, and then they die as a result of lung or liver cancer.
*These figures include claims paid for Life Insurance, Family Income Benefit, Terminal illness and our Whole of Life products (including some guaranteed over 50’s whole of life products). Our whole of life products are no longer available.
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