Claims:

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Claims

Claims are more than just numbers to us.

As a ‘modern mutual’ we believe the value of protection goes beyond a financial benefit: the emotional and practical support offered through protection is just as important.

By recommending us, your client will be protected by a provider who has their best interests at heart.

In 2025 we:

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Paid out nearly £152 million

supporting over 8,100 members and their families*

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95% of individual Protection claims accepted including 98% for Life insurance claims**

90% of Critical Illness claims and 88% of Income Protection claims*
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Paid out nearly £152 million

supporting over 8,100 members and their families*

The most claimed for conditions by product were:

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Income Protection*

  • Musculoskeletal, including fractures (37%)
  • Cancer (21%)
  • Mental health (14%)
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Critical Illness

  • Cancer (60%)
  • Heart attack (12%)
  • Stroke (6%)
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Life insurance**

  • Cancer (40%)
  • Heart related (18%)
  • Respiratory (12%)
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Income Protection*

  • Musculoskeletal, including fractures (37%)
  • Cancer (21%)
  • Mental health (14%)
*Includes Income Protection claims already in payment in 2025
** Our Life Insurance figures include claims paid for Life Insurance, Terminal illness and Whole of Life products (including some non-underwritten guaranteed whole of life products). Our whole of life products are no longer available.
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PDG claims charter 2025

We’re proud to become a signatory to the PDG Claims Charter for 2025. The standards set by the Protection Distributors Group aim to improve both the experience and outcome for claimants across the industry. This includes speed of claim payments, having a named point of contact and notifying intermediaries of claims.

Resources for your conversations

To help support the conversations you have with clients, you’ll find useful reports, newsletters and claims stories – illustrating the service you can offer clients.
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