Making a life insurance claim after losing someone can feel daunting when you are already grieving. The process is usually more straightforward than people expect. This guide walks you through how to claim on a UK life insurance policy, the documents you will need, and how long a payout typically takes.
Where do you start?
First, find the policy documents. Check paperwork, emails, and bank statements for regular premium payments, and ask whether cover was held through an employer (death in service) or a mortgage. The documents will name the insurer and the policy number you will need to make a claim.
How do you make a life insurance claim?
Contact the insurer directly and tell them you need to make a bereavement claim. They will send you a claim form and explain exactly what they need. You do not have to do this immediately — take the time you need — but most policies have no deadline that should stop you claiming when you are ready.
What documents do you need?
You will usually need the death certificate (or an interim certificate), the completed claim form, and the policy number. The insurer may also ask for identification and, for larger payouts that form part of the estate, a grant of probate.
Do you need probate to claim?
It depends on how the policy is held. If the policy was written in trust, the money is paid directly to the named beneficiaries and you usually do not need probate — so it pays out faster. If the policy is part of the estate and the amount is large, the insurer may ask for a grant of probate before releasing the funds.
How long does a life insurance payout take?
Once the insurer has all the documents it needs, straightforward claims are often paid within a few weeks. Policies written in trust tend to pay out fastest. Claims can take longer if probate is required or if the death happened soon after the policy started and the insurer needs to make further checks.
Frequently asked questions
Is there a time limit to claim on life insurance?
There is generally no strict deadline, but it is best to claim once you feel able to, so your family can access the money when they need it.
Will I be taxed on the payout?
The payout itself is not subject to income or capital gains tax. If the policy was not written in trust, it may form part of the estate for inheritance tax.
What if I cannot find a policy?
Check bank statements for premiums, ask the employer about workplace cover, and you can use the Unclaimed Assets Register to trace lost policies.
How Solace Care can help
Tracking down policies, certificates and claim forms is one of the hardest parts of sorting out a loved one’s affairs. Solace Care helps you keep every document and task in one place. Want help with the practical side after a death? Create a Solace Care account or read more guides.
