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Customers will benefit from pioneering new insurance industry commitments on protection insurance claims

Insurance companies have announced that they will pay more claims for critical illness, income protection and life insurance where medical information has not been disclosed, unless the customer deliberately withheld it. This important new commitment will lead to a further fall in the number of declined claims.
Where relevant information has not been provided, insurers will pay customers a fair sum, reflecting risk and premiums paid. In a small number of exceptional cases, premiums will be refunded if the insurer would not have taken on the policy if they had known the full facts.
This new commitment follows recent improvements in policy application forms and clarity of communication to customers. These are already leading to a fall in the number of declined claims for protection policies.
Life insurance: News update: January 2008
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