Make an Over 50's Life Insurance Claim

If you need to make a claim, we're here for you

Starting a claim

We're sorry to hear you need to make a claim

We will keep you informed throughout the claim process and pay claims as quickly as possible

Information we'll need for an Over 50's claim

Before making a claim, try to gather the below information if it's available.

  • The policy number (this can be found on the policy documents, or a bank statement)
  • An original death certificate if the policyholder has died, which we will of course send back immediately
  • A copy of the will and letters of confirmation from joint executors or joint next of kin depending on the circumstances.

Make a claim

When you're ready, get in touch and we'll start your claim

E-mail us at [email protected]

Write to us at: Customer Service Department, LV=, Emperor House, Grenadier Road, Exeter Business Park, Exeter, EX1 3LH

Or call us on...

Mon to Fri - 8.30am - 6.30pm

For TextDirect first dial 18001
Calls will be recorded and/or monitored for training and audit purposes.

Dignity

Do you have a Dignity Assigned Policy?

Is your policy assigned to Dignity?

If you need to check if the policy has been assigned to Dignity Pre Arrangement Ltd. please contact their friendly staff on 0800 387 717

What if I need to claim and my policy is assigned to Dignity?

Contact them on 0800 387 717. Dignity will then arrange for the next of kin to contact us. We’ll need to see the death certificate which will be returned. Once we’ve received all the relevant documentation we’ll settle Dignity’s invoice directly to them

Here are some common questions about claims

What do I do first?
The person making the claim can contact us directly. One of our claims advisers will then help to guide you through the process.
Will my claims payment be tax-free?
Yes, the monies we pay to the claimant will be tax-free. However, unless the policy was assigned to a third party, the payment will form part of the deceased's estate, and the estate may be liable for inheritance tax.
Will my claims payment be tax-free if I pay the higher rate of income tax?
Yes, currently the amount paid out when you die will be free of income tax and capital gains tax so it is not affected by how much income tax you currently pay. Of course this is the current situation and may change in the future.
How long after death should you be told?
Your family should let us know as soon as possible. The sooner that they tell us, the sooner we can start work on the claim and, as long as it’s covered by the plan, pay them.
What about policies that are assigned to Dignity?
In the first instance you need to contact them on 0800 387717. Dignity will then arrange for the next of kin to contact us. We’ll need to see the death certificate which will be returned. Once we’ve received all the relevant documentation we’ll settle Dignity’s invoice directly to them.
When will you pay the claim?
After 12 months you’re fully covered. If you pass away, providing the premiums are paid up to date, we’ll pay a claim.
When won't pay the claim?
In the first 12 months - We won’t pay the claim if the policyholder dies, unless it’s as a result of an accident. Death must also occur within 90 days of the accident. Some accidents are excluded and you’ll find full details in the plan conditions, section A1. If death occurs from a cause other than an accident in the first 12 months we’ll return the amount paid in premiums. We won’t pay a claim if we find out that it’s fraudulent. For example, the insured person hasn’t really died.