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When can I claim?

When your policy is claimable varies from policy to policy.

If you have life insurance with us you’ll be able to claim if:

  • you are diagnosed with a Terminal Illness (definitions in the policy document), and
  • in the event of your death.

If you have Income Protection insurance with us, you’ll be able to claim if:

  • you are unable to work for a longer period than your waiting period (the period you nominated when you applied for the policy).

Other policies can be quite varied, so if you want details, please call the Pinnacle team, and we can go through your policy with you.

Who gets paid?

For most policies the claim payment will be made to the policy owner, or if the policy owner has died to their estate. For a mortgage, income protection or funeral cover policy any payment will be made to the nominated beneficiary.

How does the insurer know if I’ve died?

Unfortunately, we have no way of knowing you have died unless someone tells us. That’s why it’s important that if you have cover with us, someone knows about it. To make a claim, the policy owner or someone acting for them simply needs to contact us by phone or email, we’ll then take a few details and advise all the information required for your claim.

How does someone claim?

Information about making a claim can be found here.

What percentage of claims gets paid out?

Pinnacle Life has paid out 96.2%* of all life insurance claims received since 1998 (*as of 14th February 2024).

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