All claims are made against the Life Company who issued your policy. You will find details of the claims procedure within the policy documents they provide with your policy and in the key features document.

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What is Life Insurance?: Life Insurance (with terminal cover included) is a form of insurance that pays out a lump sum if you die or fall terminally ill during the period covered by the policy.
What are the most common optional extras available?: When considering the purchase of a life insurance policy you are almost certainly going to be offered additional extras that maybe added to the plan. The following three are the most common: -
What is Mortgage Payment Protection Insurance?: Mortgage Payment Protection Insurance will pay your monthly mortgage repayments if you were off work because of sickness, an accident or unemployment.
UK Life Insurance and Laws in the European Union: All Life Insurance policies sold by UK based Life Companies cannot be sold to residents in other EU countries.
Complaints about a Life Insurance Adviser: If the Life Insurance Adviser is regulated by the Financial Services Authority then he will have provided you with his Terms and Conditions at the very first opportunity.

However, if you, or your dependents, are unsure how to proceed with a claim, then contact the agent or broker who arranged the policy on your behalf. You can normally find details of the broker who arranged your policy within the insurance documentation. They will be help you.

If a policyholder does die, the insurance company can make the payment quite fast- but there are several procedures you must follow to ensure this is done correctly. Firstly you must find the insurance policy documents in question and make a note of the policy’s number. Then contact the Life company. They will then dispatch a claims form. Whilst this claim form is en-route you will need to get a certified copy of the death certificate. Your funeral director will help you with this.
When the claim form arrives, fully complete the details and return the form to the Life Company together with the policy documents. Use recorded delivery, these documents are your proof of the insurance policy.

The Life Company will pay the claim promptly once they receive all the documents and they have been verified.

Don’t worry. It’s fairly common to loose a policy document! You will be able to trace the Life Company through the premium payments made from the deceased’s bank. Then phone the Life Company and they’ll sort it all out for you.

A Life Insurance policy written “in Trust” will ensure that, the money goes directly and quickly to the people you specified on the trust document. It will also avoid all Inheritance Tax. That could save you upto of your inheritance. It is quick and easy to have a policy “written in trust” and the helpdesks of most web sites will make the arrangements for you.