16 guides
Reviewing & switching
What happens when you change, cancel or stop paying for cover, and what to check before you do.
- Can a life insurer cancel your policy? A life insurance company can cancel your policy, but only in a few situations: premiums left unpaid, wrong answers on the application, a fraudulent claim…
- Can you cancel or cash in Scottish Widows life insurance? You cannot cash in a Scottish Widows Protect or Plan & Protect Life Cover policy, because Scottish Widows' policy summaries say neither has a cash-in value…
- Can you cash in a life insurance policy? Whether you can cash in a life insurance policy depends on what kind it is. The term and whole of life protection policies from Aviva, Legal & General and…
- Cancelling life insurance: what happens and when it makes s… If you cancel a life insurance policy, the cover ends, and whether any premiums come back depends on when you cancel and on the insurer's own terms. In the…
- Complaining about a life insurance company To complain about a life insurer, tell the insurer first what went wrong and what you would like it to do; it then has up to eight weeks to send a final re…
- How to cancel Aviva life insurance You can cancel an Aviva life insurance policy whenever you like, by phone, email or letter, but Aviva refunds premiums only if you cancel within the first…
- How to cancel Beagle Street life insurance To cancel a Beagle Street life insurance policy you contact Beagle Street directly, by telephone or in writing, and the policy summary also lists an email…
- How to cancel LV= life insurance To cancel an LV= life insurance policy, you call LV= on 0800 678 1906, or write to it, and say you no longer want the cover. LV='s policy documents say you…
- How to cancel a Zurich life insurance policy To cancel a Zurich life insurance policy, you contact Zurich and tell it you want to end the cover; there is no cash-in value, and premiums come back only…
- How to cancel a life insurance application To cancel a life insurance application before the policy starts, the insurers' own documents describe one step: telling the insurer you no longer want it t…
- How to cancel or cash in Legal & General life insurance You can cancel a Legal & General life insurance policy at any time, but there is nothing to cash in: L&G's policy summary says its policies have no cash va…
- How to cancel or cash in Royal London life insurance How to cancel Royal London life insurance depends on the plan: under the Personal Menu Plan you contact Royal London and can end a single cover or the whol…
- Life insurance cooling-off period The cancellation period for life insurance in the UK is normally 30 days. The FCA's rules give a consumer the right to cancel a protection policy within th…
- Missed payments, payment holidays and lapsed life insurance A life insurance policy lapses when it ends because premiums were not paid, and what that means in practice depends on the insurer: the time allowed after…
- Post Office life insurance: contact, check or cancel The Post Office life insurance number 0800 068 8014 (weekdays, 9am to 7pm) is the line for policies bought after 31 January 2022; older policies, and some…
- Switching life insurance to another provider You can switch life insurance companies, but it is not a transfer: you apply for a new policy, the new insurer decides on your age and health as they are n…