COVID19: Will Your Life Insurance Cover You?

7th April 2020 / in Contractor Mortgages & Protection Blog / by Gordon Hunter, MD

With the ongoing coronavirus pandemic still affecting the UK, we wanted to give you information on what our panel of protection providers will do if coronavirus affects you. The below information is for existing customers of these providers.


AIG have confirmed that death from coronavirus will be ‘handled like any other life insurance claim.’

They have also confirmed that coronavirus is not a listed Critical Illness under their policy and so would not therefore be a valid claim.

Correct as of 7th April 2020.

More information on the AIG website


For current customers:

If someone has a life insurance policy with us and they pass away due to coronavirus, Aviva will pay out, if the claim meets the terms and conditions of the policy.

Coronavirus isn’t covered on Aviva critical illness insurance. But if you have complications from the virus that lead to conditions that are included in your policy – such as kidney, liver, heart or respiratory failure – the claim will be paid, subject to the policy terms and conditions.

An income protection policy is there to cover you if you’re unwell and can’t do your usual job. This doesn’t include other reasons for not being able to do your job, like being told by your employer or the government to self-isolate. So the period of self-isolation won’t be covered by our income protection policies.

If you’re unable to work because you’re ill, you’ll be covered after your deferred period, subject to the terms and conditions of your policy. Your policy’s deferred period – the time between you being off work and income payments starting – will start from the beginning of your 14-day

Correct as of 7th April 2020.

More information on the Aviva website

British Friendly

British Friendly has a huge FAQ section with Coronavirus information.

These FAQs were updated on 27th March 2020 to provide members with answers to common questions they are currently being asked. British Friendly are regularly reviewing their approach as the coronavirus situation develops, so please be aware this guidance is subject to change.

Correct as of 7th April 2020.

More information on British Friendly website

Cirencester Friendly

Your Income Protection contract with Cirencester Friendly is insurance against losing earnings due to disability or incapacity for longer than the set time in your contract, called the deferred period. It only pays out to people who can’t work because of the severity of the symptoms from illness or accidental injury, causing “incapacity”.

When you make a claim, you will need to prove to Cirencester Friendly that it is an illness or injury that is preventing you from being fit and able to work, and not any other reason. Income Protection doesn’t cover you for other reasons stopping you working, like redundancy or having to self-isolate to protect others or even yourself.

Correct as of 7th April 2020.

More information on the Cirencester Friendly website

The Exeter

Income Protection

For existing members (prior to 16th March 2020) The Exeter continue to assess COVID-19 related claims for medically advised self-isolation. The length of claim period is dependent on both your specific circumstance and the government guidance issued. Any payment The Exeter make for self-isolation will be outside of the normal terms and conditions.

Private Medical Insurance

You may well have seen the announcement that the NHS will work with private hospitals to increase the capacity of our healthcare services. The Exeter await further guidance from their healthcare providers on what this means for private hospital treatments, but all their members will continue to be able to access consultations with specialists and practitioners over the phone and online (where clinically appropriate). The Exeter are
monitoring this situation carefully and will update members of any changes that might affect them in due course.

Life Insurance

The Exeter are committed to doing more to help those in need of protection. They look at each application individually and consider the personal circumstances of the applicant. The current COVID-19 outbreak brings a new challenge for their life insurance products that are largely designed to protect those deemed at high risk based on NHS guidelines. The Exeter are still accepting applications for both Real Life and Managed Life products, however any applicants who the NHS would regard as higher risk may see a delay in their application. In some cases, the application may be postponed for a period of up to six months before any decision is made.

Correct as of 25th March 2020.

More information on The Exeter website


Is a policyholder eligible to claim for Coronavirus under Critical Illness Protection?

Critical Illness Protection doesn’t cover viruses such as Coronavirus. Where the virus goes on to cause a Critical Illness as covered by the policy, a policyholder would be eligible to claim.

Are they any exclusions on your life or critical illness policies for COVID-19?

We have no general exclusions and that won’t change. We’ll consider any COVID-19-related claims for life or critical illness in the usual way against the policy terms and conditions and in line with our claims philosophy. We won’t refuse to look at any claim. As ever, we’ll treat each one on its own merits.

More information on the Guardian website

Holloway Friendly

If a Member has a positive coronavirus test…

…and has lost income because they haven’t been able to work due to ill health, Holloway Friendly will pay their claim as usual.

If a Member has self-isolated because of Government or medical advice?

…but has not tested positively in the UK for coronavirus, then Holloway Friendly will not pay the claim. Self-isolating is not covered by our policies.

If a Member tests positive in the UK while self-isolating
and has a loss of income because they are too unwell to work, then Holloway
Friendly will pay their claim as usual.

Correct as of 13th March 2020.

More information on Holloway Friendly website

Legal & General


In the unfortunate event that COVID-19 leads to a claim, Legal & General will approach this as they normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that may apply to your policy.

Critical Illness Cover

COVID-19 isn’t a specified critical illness under the terms of their policy. In the unfortunate event that you were to develop a critical illness that Legal & General cover as a result of Coronavirus, we would approach this claim in the same way as we would usually. For more details of your policy please refer to your policy documents.

Income Protection Benefit

People may be off work due to self-isolation without necessarily experiencing symptoms. Our product terms state that individuals would need to have a medical condition to qualify under our Income Protection Benefit (IPB) terms and conditions. However, we will consider the medically advised 2 week period of self-isolation as counting towards any work absence, should a diagnosis of COVID-19 be subsequently confirmed. Please refer to your policy documents for any exclusions that may apply to your policy.

Correct as of 7th April 2020.

More information on Legal & General website


Life Insurance

Our life insurance policies will cover this and pay a claim in line with the policy’s terms and conditions.

Critical Illness Claim

However, as we learn more about this virus it has become clear that some people might go on to develop long-term health issues that may be covered by your policy – for example, severe lung disease or kidney failure.

If you develop an illness that is covered, we’ll assess your claim in the normal way and pay-out in line with your policy terms and conditions.

Correct as of 7th April 2020.

More information on LV= website

Royal London

Will my Life Insurance pay out if I die of coronavirus?

If you pass away from a disease such as the coronavirus during the term of your Life Insurance, then your family may receive the payout, as long as the medical questions when making the original application were answered correctly. Medical evidence might be needed when processing the claim.

Can I claim Serious Illness Benefit if I have coronavirus?

You will not be able to claim on your Serious Illness Benefit (SIB) as coronavirus is not one of the six illnesses that the SIB covers. The conditions that our Serious Illness Benefit covers are Cancer, Heart Attack, Stroke, Multiple Sclerosis, Benign Brain Tumour and Dementia.

You can claim for Serious Illness Benefit if you develop one of these six illnesses and which meets the relevant medical definition while your policy is in place. To be eligible to claim for Serious Illness Benefit, you must survive for 30 days from the date you meet the relevant medical definition.

Correct as of 7th April 2020.

More information on the Royal London website

Scottish Widows

Can a claim be made on an existing life insurance due to COVID-19?

Yes. If you have existing life insurance and die as a result of COVID-19, a claim can be made on your policy and our claims team would follow the normal claims process.

Is Coronavirus (COVID-19) a critical illness condition?

No. COVID-19 is not a listed critical illness condition. However, depending on definitions under your policy you may be able to claim under another definition should you suffer complications as a result of this condition where you would meet the set criteria for a claim.

Correct as of 7th April 2020.

More information on the Scottish Widows


Would my life insurance claim for Coronavirus be eligible?
Should you pass away as a result of Coronavirus, or complications from the virus, a claim will be paid, as per the terms of your plan.

Am I eligible to claim for Coronavirus under my Serious Illness Cover (SIC) plan?
Serious Illness Cover (SIC) does not cover viruses such as Coronavirus specifically. Where the virus goes on to cause a Serious Illness as covered by the plan, you would be eligible to claim.

Can I claim under my Income Protection plan if I need to take time off work due to Coronavirus?
You can make a claim if you are unable to work due to having Coronavirus. This includes situations where medical quarantine is imposed by a doctor for Coronavirus, and where you are unable to perform your work duties whilst in quarantine. A claim can be made in line with the expiry of the deferred period, which will be detailed in the terms and conditions of your plan. You will not be eligible to claim on your Income Protection plan in the event that your work closes, or where you are unable to work due to social distancing or shutdowns in the general economy.

Can I use my private health insurance plan for treatment if I get Coronavirus?
From 20 March 2020, a new COVID-19 Cashback benefit will be available for Vitality health insurance members who require a hospital stay due to Coronavirus. All Vitality health insurance members hospitalised due to COVID-19, will now be eligible to claim following an NHS hospital stay:

  • Days 1 to 8 – £250 per day.
  • Day 9 onwards – £500 per day. A person with a stay lasting 9 days or longer is more likely to need critical care for COVID-19, based on the latest evidence and research.
  • This is subject to a maximum of £5,000 overall.

This benefit is now available to all current members who have a Personal Healthcare (PHC), Business Healthcare (BHC) or Corporate Healthcare (CHC) plan with the benefit of Core Cover, for any admissions up to 30 June 2020. It is also available to new customers subject to a one-month waiting period.

Correct as of 7th April 2020.

More information on the Vitality website

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

If you have any further queries or looking for more information about your life insurance policy, please don’t hesitate to get in contact with our expert advisers. Freephone 0800 211 8700 or fill in our online enquiry form.

Download our Ultimate Mortgage Guide

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products by email.

You are now departing from the regulatory site of Super Contractors (Contract Mortgages Ltd). Neither Super Contractors nor First Complete Ltd is responsible for the accuracy of information within the linked site.
Click yes if you are happy to proceed. Click no if you wish to remain on this site.

Call Now ButtonSpeak to us now