Further Reading

This article will explore the reasons Critical Illness policies do not payout along with some hints and tip around how to successfully appeal your claim.

In this article we will take a more in-depth look at claiming on your Critical Illness policy when someone has suffered from a heart attack (called myocardial infarction, or MI for short)

Fibromyalgia is a complex and challenging chronic medical condition that can have a huge impact on someone’s life and wellbeing. It is characterised by widespread pain and tenderness in the muscles, ligaments, and tendons, alongside a range of other symptoms.

If you've been diagnosed with Ehlers-Danlos Syndrome, you've likely undergone numerous medical tests and endured a long wait for a diagnosis. In the following sections, we will explore how EDS (Ehlers-Danlos Syndrome) relates to Total Permanent Disability and Critical Illness insurance.

Resolute Claims understands the disappointment and frustration that can accompany a rejected insurance claim. In this blog, we will delve into the different claim areas, including Life, Critical Illness, Income Protection, and Total Permanent Disability, and examine the trends from 2019 to 2022.

One of our most requested areas for help is Total Permanent Disability insurance. We often see people who have either attempted to claim on this insurance and been declined or are not sure of they can claim on the policy.

If you have an Aviva life insurance policy the quickest and fastest way to claim is online. Aviva offer an online portal. Aviva offer a system where you can register online using your policy number and email address.

Genetic tests can be used to distinguish if someone has inherited a genetic condition or has an increased risk of inheriting it in the future.

Sometimes when a person’s income reduces, they cancel insurance policies in order to reduce how much they’re spending. Or a person might struggle to keep up the monthly payments.

People making a claim on their Critical Illness policies have experienced huge delays in making a claim with more than half the people we speak to waiting more than four months to get a decision.

Over the past year Resolute Claims have seen a marked increase in the amount of Terminal Illness claims rejected or ‘deferred’.

Around twenty percent of the cases we handle relate to the mis-selling of a life or critical illness policy.

The majority of the cases Resolute Claims advocate for will be referred to the Financial Ombudsman Service. This is because clients tend to engage us when a financial services firm have already made their final decision.

One of the most common enquiries we receive at Resolute Claims is from people who have had their claim on Total Permanent Disability claim rejected, as part of their Critical Illness policy.

If you are thinking of claiming on a Critical Illness Insurance policy or even claiming on a life insurance policy, you can often be apprehensive. You might be worried about the process or something you left out about your medical history when you applied for the insurance.

Almost 16 insurance claims are declined every day in the UK. That's over 6000 per year, and those are the ones we know about. Many claims don't even make it to the 'official' claims process.

With almost 1 in 10 critical illness cover claims being declined in the UK it's the most refused type of claim in the UK. 6 claims everyday are declined in the UK, that's 3 million pounds a day (107 million pounds a year). They're many reasons an insurance company might decline a critical illness claim but the overwhelming majority are due to 'not meeting the definition of the policy'.

Dermatofibrosarcoma Protuberans (DFSP) is a rare form of cancer, a soft tissue sarcoma that develops in the deep layers of skin. It is sometimes described as having tentacles that can grow into surrounding fat, muscle and even bone.

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London Capital & Finance plc (LCF) went into administration on 30 January 2019 and FSCS declared it had failed on 9 January 2020. Since LCF entered administration, the FSCS carried out an extensive and complex investigation into how LCF operated.

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The FSCS recently started taking claims against Pointon York due to the levels of due diligence carried out when accepting SIPP business.

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