Insurers decline life and critical illness claims more often than people realise — and a rejection is an opinion, not the final word. Many are overturned on appeal.
You may be able to claim if:
Free, no-obligation assessment
A life or critical illness policy is bought for the worst moment of your life. Being told at that moment that the insurer will not pay is devastating, and it usually arrives with dense wording implying the decision is final.
It is not. Declines commonly rest on alleged non-disclosure — something supposedly not mentioned when the policy was taken out — or on an argument that your condition does not meet the policy definition. Both are frequently contestable. The Consumer Insurance (Disclosure and Representations) Act 2012 substantially limits an insurer’s ability to refuse a claim over an innocent or irrelevant omission.
Most declines fall into a small number of recognisable categories — and most of those are arguable.
Where an omission was innocent, immaterial, or never properly asked about at application.
Where the insurer argues your diagnosis falls outside the wording. Definitions are often narrower on paper than in practice.
Where an unrelated or long-resolved condition is used to refuse an unconnected claim.
Terms that were not brought to your attention, or that are unfair under consumer protection law.
Where the insurer failed to investigate properly, or gave no adequate reasons.
Compensation where an insurer’s handling caused avoidable hardship at an already difficult time.
Tell us what happened in a free, no-obligation call. We will tell you honestly whether you have a claim.
We gather evidence, arrange any assessment you need, and handle the other side entirely.
We put your case to the opponent and push for the full value of your claim — not a quick, low offer.
Your compensation is paid to you, with our agreed fee deducted. No win means no fee at all.
Speak to our team for free. We will tell you honestly where you stand — with no pressure and no obligation.