We'll pay a claim if you die (or the first one of you to die if you have a joint life policy) within the plan term.
In 2018, we paid 94.6% of all life insurance claims totalling £32.6m in payout.
5.4% of the claims we didn't pay were because of misrepresentation. 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 but with an exclusion.
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 includes both our Life Insurance and Lifetime+ products. Lifetime+ is now closed for business.
More on Life Insurance claims