As the UK’s number one Critical Illness Cover provider for the past five years* we’re committed to paying as many claims as possible:

• We continue to highlight the potential impact of non-disclosure through our literature.
• In 2010 2.8% of critical illness claims were declined as a result of non-disclosure.

But we’re not stopping there:

• By helping us to reduce the chances of non-disclosure you help us to ensure that all claims are paid.
• You’ll also help us to make the right underwriting decisions and apply the right pricing to the policy.

In turn, this will reduce the number of policy cancellations and commission clawbacks. More importantly, it will help you to retain your client’s confidence and help maintain your reputation.

How to ensure claims are paid

Common reasons why claims are declined due to non-disclosure include:

1) Back pain
2) Stress, anxiety and depression
3) Height and weight inaccuracies
4) Joint problems and arthritis
5) Outstanding tests and investigations
6) Smoking (including if your client has used any tobacco products in the last 12 months)
7) Alcohol consumption
8) Raised blood pressure and cholesterol.

Please ensure your clients tell us everything.

* Source: Swiss Re Term & Health Watch 2006 - 2010 reports, based on new individual critical illness sales in the previous year.