Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

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

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 valid claim would be accepted.

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.

Short term alternatives

It is also worth noting that some insurers 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, something that can take several weeks if extensive medical information is required from a GP surgery.

Drewberry can help

If you have any other questions about life insurance feel free to give one of our experts a call on 02084327333 or send an email to help@drewberry.co.uk.

Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!

Francesc Sale
07/06/2019
Compare Top 10 UK Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.