To get hold of your money you’ll need to make a claim against your policy.

There are a number of different ways to make a claim against your policy, depending on the type of policy you have with us – you can see the most common types of claim below.  

We currently look after a wide range of policies that provide a variety of different claimable benefits. However, should you be unsure as to what type of cover you have with us then please do not hesitate in contacting us directly when one of our advisors will be happy to help.

Maturity 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.

Surrender Claim

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.

Partial withdrawal

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.

Death Claim

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.
Sickness Income Plan (SIP) Claim

If you suffer an illness or injury while holding a Sickness Income Plan and you want to claim sickness benefit, please 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.

Sickness Benefit Claim

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.

Sickness & Savings Claim

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.

Earnings Protection Claim

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.

If you need financial advice

If you’re in any doubt about whether you should make a claim against your policy, it’s a good idea to talk to an Independent Financial Advisor (IFA). You can find a local financial advisor by phoning IFA Promotion on 020 7833 3131 or via www.unbiased.co.uk. You may need to pay for a financial advisor’s help, so make sure you ask them about their fees first.

The Money Advice Service may also be able to help. Useful information about this service can be found here.