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 2023 we:

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Paid out over £135 million

supporting over 8,100 members and their families*

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94% of individual Protection claims accepted including 97% for Life insurance claims**

85% of Critical Illness claims and 92% of Income Protection claims*

The most claimed for conditions by product were:

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Income Protection*

  • Musculoskeletal, including fractures (33%)
  • Cancer (23%)
  • Mental Health (15%)

Critical Illness

  • Cancer (59%)
  • Heart attack (10%)
  • Stroke (5%)
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Life insurance**

  • Cancer (36%)
  • Heart related (23%)
  • Respiratory (8%)
*Includes Income Protection claims already in payment in 2023
** 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.

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.


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Claims assessing

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

Let's talk

0800 756 5869

9am - 5pm Mon-Fri

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