Can a claim be made right away with life insurance?

I’ve just left my job to go freelance and need to replace the old Life Insurance policy I had as a benefit. One question i have is, can a claim be made on this straight away or is there an initial period to wait?

Question asked by Gary Thomas
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Answered by Meena Ibrahim

Life Insurance and the initial exclusion period explained

Yes, you can claim straight away on life insurance. There is a standard exclusion on any claims arising from suicide in the first 12 months applied by most insurers. But other than that any claim would be valid.

Short term alternatives

It is also worth noting that some insurers such as Aviva provide temporary cover for a fixed period of time while the application is being processed. This ensures some level of cover while the underwriting process is completed; which can take several weeks if extensive medical information is required from a GP surgery.

However, for a claim to be processed a death certificate will need to be provided to the insurance company meaning you will have to wait until one has been produced at least.

Drewberry can help

If you have any other questions about life insurance feel free to give one of our experts a call on 01273 646 484 or send an email to



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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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