https://www.aiglife.co.uk/customers/answering-your-waiver-of-premium-claim-questions Individual Protection from AIG

Answering your questions

We’re here to help you every step of the way.

We know that if you need to make a Waiver of Premium claim, you’re going through a challenging time. We hope we can make things a little easier by answering some of the questions we get asked most often.

Can I make a claim for Waiver of Premium

You can only make a claim for Waiver of Premium if you selected it when you applied for your cover. Your policy documents will tell you whether it’s included in your cover and when it ends.


At what point should I contact you to make my claim?

You should contact us as soon as there is a chance you will still be unable to work when the Waiver of Premium ends, so that we can start gathering the information we need. The deferred period for Waiver of Premium is 26 weeks.


Can I still claim if I am not living in the UK?

You’ll need to be living in one of our eligible countries when you become unfit for work and you’ll need to return to the UK within a certain period of time in order for your claim to continue.

Please check your policy documents if you’re not sure if you’re in an eligible country.


What happens if my term has ended when I make a claim?

We only cover you while your policy is active. If your policy has ended, we will not be able to agree a claim.


What happens if I don’t pay my premiums?

If you stop paying your premiums for more than 30 days while your policy is active, it will be cancelled and you’ll no longer be covered.


Can you speak to someone else on my behalf, like a family member or close friend?

We can speak to you or anyone else that you give us permission to.

Will you contact my employer?

We might need to contact your employer for information about your absence, to help us understand what your job involves and why you’re unable to work.


Does it matter if I can’t find the original policy documents?

No, we don’t need to see the original policy documents for you to make a claim.


Why do you need a medical report?

When you make a claim, we need to find out if your illness meets the definition as described in your policy documents.

My job has changed since I applied for my cover – will this affect my claim?

We will assess your claim based on your circumstances at the time you stopped work, so if your job has changed we will be assessing your ability to do the new job and not what you were doing when you applied.


When will you agree my claim?

Every claim is unique. We’ll deal with your claim as quickly as possible by calling or emailing where we can.

If we don’t agree your claim, we’ll contact you to let you know why.


Why might a claim not be agreed?

We’ll always try our best to agree a claim. The reasons we may not are because we were not given the correct information when you applied which might have affected our ability to cover you under the terms we provided, or if your illness doesn’t meet the definition as described in your policy documents.

We also may not be able to agree your claim if you’re still receiving income which is more than your cover allows for.


Can you speak to someone else on my behalf, like a family member or close friend?

We can speak to you or anyone else that you give us permission to.

Should I carry on paying for my policy after I’ve made a claim?

Yes, you need to continue paying your premiums while we’re assessing a claim. This means that your cover stays active until we’ve made a decision and agreed your claim.

Once we’ve accepted a claim, we’ll refund any money that you might have paid beyond the end of the Waiver of Premium deferred period and we’ll then waive those premiums for as long as your claim remains active.


Do I need to cancel my direct debit once a claim is agreed?

There is no need for you to cancel your direct debit to us. Once we’ve accepted a claim, we’ll automatically stop your direct debit and refund any money that you might have paid beyond the end of the Waiver of Premium deferred period.

Please remember to keep paying your premiums while we’re assessing a claim.

What happens to my policy once a Waiver of Premium claim has ended?

Once a Waiver of Premium claim ends, you’ll need to start paying your premiums again in order for your cover to continue.

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