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BTW In The News

We have been very busy lately and have had some of our cases covered in the national papers. Please see below some recent cases we have worked on. Telegraph Our Client David, 35, an engineer from Aberdeen, had a critical illness claim refused by Legal & General on the grounds that he had failed to…
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Life Insurance Suicide Claims

Suicide Suicide is, sadly, the subject of many of the cases we deal with. It is often thought that life insurance is not payable if suicide is the cause of death. Whilst many policies will not pay out if the policyholder commits suicide in the first 12 months, thereafter a claim for suicide is covered…
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Total Permanent Disability (TPD)

Total Permanent Disability (TPD) We see a great number of Total Permanent Disability (TPD) cases. Whilst TPD is covered by most critical illness policies, somewhere in the region of 40% of TPD-related claims are declined by insurers. Broadly, TPD has been taken to mean that the person is too ill to work. Insurers, however, have…
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Another Win for Jan Trainor, Critical illness Policy

Breast cancer Mrs Jones’ Complaint about a Critical illness Policy with Friends Life. Mrs Jones took out a Critical illness policy some 20 years earlier. The policy documentation was very reassuring listing all the conditions it covered, including cancer. Definition exclusion When Mrs J was diagnosed with breast cancer she made a claim but was…
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Rejected Critical Illness Claim Multiple Sclerosis

Rejected Critical Illness Claim Multiple Sclerosis After a diagnosis of MS, Mike was reassured given he had a Critical Illness policy with Scottish Widows. Non-disclosure He made a claim but unfortunately the claim was rejected. The claim was rejected because Scottish Widows considered Mike had not disclosed a minor eye problem he had consulted his…
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Justice Prevails

Insurer refused to pay Life Insurance Claim After the tragic death of our young client’s father an Insurance Company denied a claim made on his life insurance policy on the grounds of non- disclosure. (As featured in the Guardian) The business told our client that her father had not disclosed medical information on his application…
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