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Help Centre»»What’s not covered by my life insurance?

What’s not covered by my life insurance?

Your life insurance may not cover you if you deliberately cause harm to yourself, are overly reckless, or commit suicide, especially within the first 12-24 months of the policy being active. You should carefully check your policy wording for further clarification, as each insurer has differing tolerance towards this.
Life insurance also will not cover you if any important details were not disclosed during the application process. For example, if you died of lung cancer from smoking but told the insurance company that you did not smoke at the time of application, this could mean your policy would be invalidated and therefore would not pay-out. However, if you started smoking several years after taking out your policy, and then you developed lung cancer, you would find yourself covered.
If you have a joint life insurance policy, one factor to consider is that this policy will only pay out once – if your partner were to pass away before you, that policy would no longer apply to yourself. If the surviving person still wanted cover, they’d need to reapply.

All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.

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