Serious Illness Claims

You should first contact the person that set up the policy for you to establish that the benefit applies to your policy. This is either your Financial Advisor, one of our financial consultants or representatives. They will guide you through these steps:

Step 1: Send the following items to your Financial Advisor or to us:

• Completed Claim Form(s) - you, or the person making the claim, will need to complete the relevant form. Note: For terminal illness claims please speak to your broker or contact the claims team directly.
  - Serious Illness
  - Permanent Total Disablement
• Your original Policy Document - you must complete a Lost Policy Declaration if you have lost your policy document.
• Original Birth Cert - we will return this immediately. If there are two lives insured on the policy please submit both birth certificates.
• Original Marriage Cert - if the person making the claim is a married woman with a different surname than on her Birth Cert.

Step 2: We will write to the Life insured's GP and Specialist Doctor(s) for medical reports for our Chief Medical Officer.

Step 3: We will send your Financial Advisor confirmation that we have received the claim form and written to these doctors. If the policy is assigned to a bank or building society we will write to the institution to request the original Policy Document and Deed of Assignment and notify your Financial Advisor of this. The benefit will be paid to the assignee unless we get written instructions from them to pay the policy owner directly.

Step 4: We may decide that an independent medical assessment is required in certain circumstances on receipt of the medical reports. If so, you will be advised immediately.

Step 5: On receipt of all our requirements your claim will be assessed and where the claim is admitted we will send payment by cheque to your financial advisor or directly to yourself should you instruct us to do so.