Making a Claim on Your Insurance Policy
At LifeSearch, our mission is to protect people properly, and our commitment doesn't end once you've secured your insurance. When it comes to claims, you need a straightforward and supportive process that puts your needs first. That’s why we’re here to guide you through every step of the way, ensuring a smooth experience from start to finish.
There are various reasons for making a claim. For example, if you’re unable to work due to injury or illness, you may need to make an income protection claim. Serious health issues may result in a critical or terminal illness claim. If a loved one passes away, a life insurance claim may be necessary. We're here to help you understand and work through these different types of insurance claims.
We want to make the claims process as simple and stress-free as possible. This guide will walk you through each step of the process, and answer some of the most frequently asked questions to help you through the process.
Whether you need guidance on a claim, assistance with the process, or help resolving an issue, contact your insurer or get in touch with our dedicated claims team, who are here to support you every step of the way. Contact the LifeSearch claims team on 0203 764 0103 or email us at claims@lifesearch.co.uk and we will be happy to help.
How to Make a Claim
A step-by-step process for making a protection insurance claim
Find your policy details
If you're struggling to locate them, you can contact your insurer directly or LifeSearch
Pull together documentation
To make the process smoother and more efficient, have to hand relevant documents.
Submit your claim
Contact your insurer directly or LifeSearch, and a specialist team will help you process your claim.
Insurer assesses your claim
Generally, the insurer will take around 14 to 60 days to assess your claim.
Receive your payout
According to the Association of British Insurers around 98% of insurance claims are paid out.
Appeal
If your claim has been declined, contact your insurer directly or LifeSearch.
What documents you might need when you call
It's not always clear what information your insurer will need to process your claim. Below is a brief overview of the typical requirements, although these may vary depending on the type of claim you are making:
- Policy number
- Death certificate: You can receive a death certificate by registering a death. This should be done within 5 days, or 8 days for Scotland, including weekends and bank holidays
- If a will is in place and details of this
- Date of diagnosis
- Details of any treatment
- Contact details for your consultant and GP
- Birth certificate
- Income protection: first day of absence from work and expected return to work date and P60
LifeSearch Insurance Claims Advice
Our claims team at LifeSearch offers a shoulder to lean on, a friendly ear and will provide you with regular updates throughout your claims process. We are dedicated to supporting you through your claims journey, liaising with insurers on your behalf so you can focus on your recovery, or cope with grief or the challenges of being unable to work.
When we first speak to customers who need to make a claim, they are often in shock and may not remember much of the conversation. We allow them to talk freely and share what has happened without pressing for too many sensitive details. Our role is to support and protect you throughout the whole claims process.
If you do get in touch with us, we will provide all the information you need and connect you directly to your insurer. We’ll also inform you of any additional benefits, if any, included in your insurance policy, and keep you updated on your claim’s progress. Once the claim process has completed, we will follow up to see if you need any additional support.
LifeSearch Insurance Payouts 2024
In 2024 alone, LifeSearch customers received over £105million in life, critical illness and income protection claims. That’s more than £2million paid out every week to over 1,400 individuals, families and businesses up and down the country, providing essential financial support and greater peace of mind when faced with unexpected events. Our dedicated claims team supported over 400 of these customers through the process, helping those who needed us, challenging insurer’s decisions, pushing them for faster payouts, whilst offering a warm, understanding human touch when it mattered most.
Over £100 Million Paid Out to LifeSearch Claimants in 2024
| 551 Life Claims | 131 Terminal Illness | 471 Critical Illness |
|---|---|---|
Totalling £65 million
| Totalling £16.2 million
| Totalling £23 million
|
141 Income Protection | 17 Accident Claims | Over 400 claims supported |
Totalling £698,257
| Totalling £59,016
| Our dedicated claims support team
|
Life Insurance Claim
Life insurance provides a financial safety net for those you love, in the event of you passing away.
Income Protection Claim
Income protection provides a regular income if you become unable to work due to illness or injury.
Critical Illness Claim
Critical illness cover offers support if you're diagnosed with one of the conditions specified in the policy.
Terminal Illness Claim
Terminal illness cover pays out on diagnosis of a terminal illness, meaning your doctor expects you to pass away within a certain timeframe (usually 12 months).