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Life Insurance with Critical Illness

Why might a Life Insurance claim not be paid?


We wish we could pay all Life Insurance claims but there are some claims we can’t pay. The ABI have two definitions for declined claims; misrepresentation and not meeting the policy definition.

Misrepresentation is 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.

Information on the Consumer Insurance Act

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 and making a claim, but their doctor has said they have longer to live than 12 months (we won't pay if you don't meet our terminal illness conditions).

More on Life Insurance claims

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We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

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Why choose LV=

An insurance provider you can trust established in 1843.

  • 97% of claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents


From what's covered, ways to get set up or even how to claim, our library of FAQs can help.

View our Life Insurance FAQs