Make a claim on your RLCIS life or health insurance policy
Reviewable Premium
Some of our critical illness and income protection products have reviewable premiums. This means that we'll review your premium every so often. This might mean a change to the amount you pay.
Factors we'll consider when reviewing your premium will include:
- changes in claims (death and illness) experience, trends and expectations
- changes to expenses outside our control, like changes to the costs of providing care planning service, or changes to the tax levied on this type of business
- changes in persistency (how long customers keep their products) experience, trends and expectations
- changes to future expectations of investment returns.
Make a claim
Select which type of policy you need to make a claim on to get contact information and further support.
Life, Critical Illness or Permanent Health Insurance
If you need to make a claim on your Life, Critical Illness or Permanent Health Insurance policy, just call our UK based Customer Contact Centre on:
0345 605 7777
Lines are open 8am-6pm, Monday to Friday.
Or you can use our textphone service at 0208 964 6370
Please make sure you have your policy number to hand before you call.
We'll try to handle your claim as quickly and efficiently as possible and will aim to:
- respond to your claim within 5 business days.
- send your settlement cheques within 5 business days of us accepting the claim.
Please be aware that we may need to obtain medical evidence.
Claim guides
For more information about how to make a claim, take a look at the claim guide for your product.
- Life assurance claim guide (PDF - 0.1Mb)
- Critical illness claim guide (PDF - 0.2Mb)
- Permanent health assurance claim guide (PDF - 0.1Mb)
Income protection insurance
If you need to make a claim on a Co-operative income protection insurance policy, just call our UK based Customer Contact Centre on:
0130 688 7733
Please make sure you have your policy number to hand before you call.
We'll try to handle your claim as quickly and efficiently as possible and will make sure that:
- we issue your claim pack the next working day after we receive your request
- we'll get medical evidence to assess your claim after you return your claim pack
- if we accept your claim, we'll make a payment within 5 working days.
Product guides
Our product guides will give you an ‘at a glance’ guide to the most important features of your product.
- Level Term Assurance (PDF - 0.5MB)
- Decreasing Temporary Assurance (PDF - 0.6MB)
- Critical Illness Cover (PDF - 0.6MB)
- Level Term Assurance with Critical Illness Cover (PDF - 0.5MB)
- Decreasing Temporary Assurance with Critical Illness Cover (PDF - 0.6MB)
- Income Benefit (PDF - 0.1MB)
- Whole Life Assurance (PDF - 0.7MB)
- Income Protection (PDF - 0.6MB)