Insurance Claims
We’re sorry to hear you need to make a claim and are here to support you.
On this page
How do I make an 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 do I need to make a claim?
Each insurer and policy is slightly different, but before you make a claim try to gather the information below if you can. Don’t worry if you don’t have all of it right now, the insurer can still help.
Life insurance claims
Critical illness cover claims
Income protection claims
Hugo’s helpful notes:
These are examples of the information you might need. Each insurer and policy is different, so the exact details required may vary. If you’re unsure, the insurer will guide you through what’s needed to process your claim.
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.
Can I make a claim through Protect Line?
You can’t make a claim directly through Protect Line, as we’re a life insurance broker, not the insurer. Claims always need to be made with your insurance provider directly.
However, we’re still here to help. If you’re unsure who your insurer is, can’t find your policy documents, or just want some support with what to do next, you can contact Protect Line and we’ll:
So while the claim itself must go through your insurer, you don’t have to figure it all out on your own.
Our head office
If you can’t find what you’re looking for above, you’re always welcome to contact our head office directly.
Or if you’re ready to get a free quote and compare your life insurance options:
Tel: 0333 880 303
Office hours:
Mon-Thurs: 9:30am-6:30pm
Fri: 9:30am-6:00pm
Sat-Sun: Closed
Address:
Protect Line, Bourne Gate,
25 Bourne Valley Road,
Poole, BH12 1DY
FAQs
Got questions about insurance claims? Here are some of the most common ones.
When should I contact the insurer about an insurance claim?
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.
Read moreHow long does a Life Insurance payout take to go through?
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.
Read moreI’m worried the life insurance won’t pay out.
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.
Read moreWho will get the payout from a Life Insurance policy?
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.
Read more