We can help customers by appealing against declined life insurance claims.

When someone close to you passes away often the last thing on your mind is finances. Increasingly though, with at least five life insurance claims being declined every day, that is the unfortunate reality for some. ABI reports the amount lost through declined claims for life cover alone is over 77 million pounds.

Being declined a life insurance payout can have a serious impact, not only on your finances but also on your standard of living, at a time when you really don't need it.

Some insurance companies apply simple algorithms when assessing claims and can decline claims without correctly assessing all the information. Some may decline your claim because of non-disclosure without robustly checking why. For example, you may have had a cyst removed that wasn't cancerous but because you never disclosed it the insurance company declined your claim.

You may have also been sold the wrong type of insurance or given bad advice when you took out the policy. Some Financial Advisers 'churned' policies after customers were diagnosed with certain conditions, basically making the new policy invalid.

Whatever your circumstances we will forensically examine your situation to ensure we construct the best possible case for you. We will often put your case forward to the Financial Ombudsman so it's important we have a robust case for you. Even if the claim was some time ago we can still look to get the compensation you are rightfully entitled to.

You don't have to use a company like us to make a complaint and you can complain yourself to your insurance provider, financial adviser or Financial Ombudsman.


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If you have been declined while trying to claim on a life insurance policy, then we can help. We also help with all other financial service complaints, for example critical illness, income protection, mis-sold pensions and insurance cover.

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