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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

Drewberry set up our insurance and were really helpful and made it very easy. I was really pleased at how responsive they are and how friendly and easy they made the whole process. I am delighted to be working with them.

Tara Wavre
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