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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 2019 we:

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Paid out over £100million

supporting more than 8,100 members and their families*.

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94% of individual Protection claims accepted including 99% for Life insurance**

88% of Critical Illness claims and 93% of Income Protection claims*.

The most claimed for conditions by product were:

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Income Protection*

  • Mental Health (29%).
  • Musculoskeletal (25%).
  • Cancer (15%).
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Critical Illness

  • Cancer (57%).
  • Heart Related (13%).
  • Stroke (7%).
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Life insurance**

  • Cancer (41%).
  • Heart Disease (19%).
  • Stroke (6%).
* Includes claims already in payment in 2019 for Income Protection and Personal Sick Pay.
** Our Life Insurance figures include claims paid for our Life Insurance, Terminal illness, and whole of life products. Our whole of life products are no longer available.

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.

Behind the scenes: supporting you and your client

As soon as an application is submitted, all the way through to claim, our teams work hard to support you and your client.
Watch our videos to see what we do behind the scenes.

Claims assessing

Our claims assessors talk about claims success, describing some of the situations they encounter on a daily basis.

Innovate Healthcare

Our rehabilitation partner Innovate Healthcare discuss how they assess your client, and what that means in terms of their policy with us.

Contact Phone

Let's talk

0800 085 0250

9am - 5.30pm, Monday - Friday

TextDirect: first dial 18001. We will record or monitor calls for training and auditing.