• Our death claims paid in 2011 increased to £264 million from £226 million in 2010.
• We paid 93.2% of critical illness cover (CIC) claims in 2011 - £177 million.
• We paid 92% of income protection benefit (IPB) claims in 2011.
• We've paid over a billion in CIC claims since 2003.

CIC claims summary:

• Total number of claims paid - 2,784
• Average payout - £63,573
• Average age of claimants - 43 years old

The top five reasons for CIC claims are the same as last year:

• Cancer
• Terminal illness
• Heart attack
• Multiple Sclerosis
• Stroke

6.8% of CIC claims rejected:

• Number rejected for non-disclosure – 77 (2.6%)
• Claims not meeting definition – 125 (4.2%)

IPB claims summary:

• 49% of claims paid last year received more than £500 of benefit per month
• Average age of claimants - 42 years old
• 56% of claimants were male and 44% were female

The top three reasons for IPB claims in 2011 were:

• Musculoskeletal
• Mental illness
• Cancer

8% of IPB claims rejected:

• Number rejected for non-disclosure – 2%
• Claims not meeting definition – 4%
• Financial reasons – 2%

Source: Legal & General Claims Department 2012, based on critical illness and death claims finalised in 2011.