Insurance Claims
We're sorry to hear you need to make a claim and are here to support you...
How do I make a Life Insurance claim?
You will need to get in touch with the policyholder’s insurance provider directly to start your life insurance claims process. You can do this either online or by phone, depending on the insurer.
The insurance provider will ask questions and gather all necessary information to assess your claim such as who you are and/or your relationship to the deceased. They will let you know if further evidence or documentation is required depending on the type of claim.
The insurance provider will keep you informed throughout the claim process. If your claim is successful, a direct payment will be made to either the legal policyholder or anyone listed in a Trust. If for some reason the insurance provider can’t pay out, they will explain why.
What you might need when you call
Before you make a claim, try to gather the information below if it’s available. Don’t worry if you don’t have all of it right now, the insurer can help.
- The policy number (this can be found on the policy documents);
- Name of the person who has died and their date of birth;
- Cause, date and place of death (if known);
- An original death certificate if the policyholder has died;
- The policyholder’s GP or doctor’s contact details;
- Medical reports from a doctor if you are claiming for a terminal illness.
Our Insurance Providers
If you, your family or loved ones need to make a claim on a policy, please contact your insurance provider directly. You can find all contact details below:
Claims number:
0800 015 1142
Opening hours:
Monday-Friday
8am-6pm
Claims number:
0800 072 9831
Opening hours:
Monday-Friday: 8am-8pm (excluding public holidays)
Saturday: 9am-5pm
Claims number:
01452 782 754
Opening hours:
Monday-Friday
9am-5pm
Claims number:
0345 745 6125
Opening hours:
Monday-Friday
8am-6pm
Claims number:
0370 050 0962
Opening hours:
Monday-Friday
9am-5pm
Claims number:
0800 756 5869
Opening hours:
Monday-Friday
8am-6pm
Claims number:
0333 014 6244
Opening hours:
Monday-Friday
8am-6pm
Claims number:
0800 028 1112
Opening hours:
Monday-Friday
9am-7pm
Claims number:
0345 600 4401
Opening hours:
Monday-Friday
9am-5pm
Claims number:
0345 601 0072
Opening hours:
Monday-Friday
8am-6pm
Claims number:
0370 243 0827
Opening hours:
Monday-Friday
9am-5pm
You probably have some questions
Check out some of our Frequently Asked Questions below
If you’re making a claim for a life insurance pay out, you should contact the insurer as soon as possible after the death of the policyholder. You will need to supply all the necessary evidence, information and documentation to support your claim.
How long it takes for a Life Insurance payout to go through is dependent upon many different things and the individual circumstances of the policyholder. However the insurance provider can discuss timescales after you have started the claim process and they have all the necessary information.
In 2019, over £5.7 billion was paid out on British protection policies with 98.3% of claims paid. That’s the equivalent of £15.8 million paid every day. (ABI.org.uk, May 2020).
It’s statistically very unlikely life insurance policies won’t pay out, especially if the policy was taken out with an FCA registered broker such as Protect Line. The main reason a policy wouldn’t pay out is if the policyholder has not been 100% open and honest during the application.
If the life insurance policy has been put into Trust it should name who will receive the money, and the insurer will respect this. If there is no Trust, a life insurance payout will form part of the deceased’s estate. A legal process, called Probate, will determine how the life insurance payout is distributed. Having a valid Will can influence the decision; without a Will the payout will likely be distributed to the policyholder’s next of kin.
For terminal illness and critical illness claims, the payout will usually be sent to the legal policy holder, unless a Trust is in place which specifies whether some or all of the payout is retained or gifted.