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Life insurance claim stories

Life insurance claim stories

As part of our ongoing efforts to collate and share real-life claim stories from across the industry, this page brings together some of the life insurance claim case studies from insurers and advisers. Given the difficult nature of a life insurance claim, case studies can be hard to come by, so we would encourage as many insurers and advisers to share stories with us as and when they get them. 

Terminal Illness

Pete’s Story

In 2018, aged just 35 Pete was diagnosed with terminal lung cancer and claimed on the terminal illness benefit of his Legal & General life insurance policy (that he’d had in place for 4 years). As Pete says in the video:

“You think you’ll never need it until you get old. Nothing will ever happen to me…”

Further Reading

To find out more about life insurance, follow the links below to some of our most recent articles.

Why We Like Royal London’s Dual Life

Discover why Royal London’s Dual Life insurance is a superior alternative to Joint Life policies. Learn how it supports better client outcomes, addresses compliance challenges, and offers flexibility and certainty for your insurance needs.

E-Cigarettes and Insurance: Is It Time for a New Perspective?

Explore the evolving landscape of e-cigarettes and insurance in our latest article, “E-Cigarettes and Insurance: Is It Time for a New Perspective?”

How flexible are insurers if clients wish to opt out of indexation increases?

Discover how flexible insurers are when clients wish to opt out of indexation increases. Learn about the impact of policy anniversary increases, conditions for opting out, and the consequences of consecutive opt-outs.

Free cover – How do insurers compare?

Discover how different insurers compare in offering free cover during the underwriting and mortgage completion processes. Learn about the limitations, cover limits, and exclusions provided by various insurers to ensure your clients are protected even before their policy starts.

Valentine’s Day – Why life insurance is the thing you buy for people you love the most

This article explores the interplay between logic and emotion during the protection conversation, emphasizing the importance of addressing clients’ emotional needs during the advice process.

What guaranteed increase options do insurers offer on life cover?

Discover the various Guaranteed Insurability Options (GIOs) offered by life insurance providers. Learn how GIOs can help clients increase their coverage without underwriting during significant life events, and understand the limits and restrictions insurers place on these options.

The above stories are prime examples of scenarios that happen within the protection industry on a daily basis. Providers want to pay claims, indeed no insurer will decline a valid claim and they want to support their customers. There is now an abundance of claims statistics made available by providers. These, combined with claims stories from real life claimants, can paint a powerful picture. If the industry as a whole is able to produce more stories like these we can go a long way to changing the views of consumers and give more confidence in the products that can literally be a lifeline in the direst of circumstances.

If insurers/advisers/service providers have any other added value benefit claim videos they would like us to share via this page please get in contact here.

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