Make a claim

Your policy 'Matures' when it reaches the end of the agreed number of years - the Term - it was taken out for when you made your original application.

If your policy has reached the end of its Term, you can now claim what your policy has earned.

While your policy is still running you may want to get access to your money before it reaches its agreed maturity date.

This may mean you have to pay a penalty charge and get back less than you would if you’d waited until it matured.

While your policy is still running you may want to withdraw some of the money. This is similar to a Surrender Claim (above).

This may only be an option on some policies, and it’s worth remembering that you may have to pay a penalty charge and the final amount you receive when the policy eventually matures will be reduced.

If someone dies while holding one of our policies, a family member or solicitor representing the deceased’s estate will need to contact us to tell us what’s happened.

We will then calculate what the policy is worth and send you the appropriate forms, along with a helpful Dealing with a Bereavement Claim booklet.

We understand that this may be a very difficult time for you and we will do our best to make the whole process as simple and stress-free as possible.

We will need to collect a few pieces of information which you may want to prepare in advance:

• Original or certified copy of the death certificate
• Last Will and Testament
• Probate or Letter of Administration
• The original policy document - If you can’t find the original policy document, contact us so we can send you a Lost Policy Indemnity Form.

If you suffer an illness or injury while holding a Sickness Income Plan and you want to claim sickness benefit, please download and complete this claim form. Alternatively you can contact us directly when a claim form will be issued to you.

You may find our Guide to making a Sickness claim information useful.

Alternatively, if you want to talk to somebody directly about making a claim please contact us.

Many of our policies can help if you have had dental or optical treatment, have had a medical examination, treatment or equipment.

You may find our Guide to making a Sickness claim information useful.

Contact us if you would like to find out more about the options available to you.

If you’re suffering from illness or injury you may want to claim against your Sickness & Savings policy.

Note that these policies have a ‘Deferred Period’ of 5 working days, which means that this period of time must pass after the start of your illness or injury before you can make a claim.

You may find our Guide to making a Sickness claim information useful.

Contact us if you’d like to know more about your options.

If you’re suffering from illness or injury you may want to claim against an earnings protection policy.

Note that some of these policies have a ‘Deferred Period’, which means that a period of time must pass after the start of your illness or injury before you can make a claim.

You may find our Guide to making a Sickness claim information useful.

Contact us if you’d like to know more about your options.