The real value of protection. Our life, critical illness and income protection claims
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1 The real value of protection Our life, critical illness and income protection claims
2 The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it really matters. In this brochure we ll give you some useful information about our protection claims from We re really proud of our claims history. Whether it s life insurance, critical illness cover or income protection, we have a strong track record of giving our customers financial support when they need it. We paid 475m to protection customers in 2012 That s 1.3m a day Life insurance Life insurance with critical illness cover Income protection Designed to pay a cash sum in the event of your death. We offer a range of life insurance products. To find out more speak to your financial adviser. Life and critical illness cover pays out a lump sum if you either die or are diagnosed with a critical illness that meets our policy definition and then survive for 14 days. We only cover the critical illnesses we define in our policy and no others. Our critical illness cover is available as an option on our Term Assurance and Mortgage Life Insurance. For full details of all the critical illnesses we cover ask your adviser for our guide to critical illness cover. Designed to pay you an amount each month if you can t work because you re ill or accidentally injured. For full details ask your adviser for our key features of Income Protection Solutions. Please note our protection policies have no cash in value at any time. And if you stopped paying your premiums your policy would end. In 2012 we paid out almost 14,000 claims. And compared to results published by our competitors, we paid out the highest percentage of life insurance claims received. Total amount paid out Life insurance 324 million (including payments for terminal illness) Critical illness cover Income protection 131 million 15 million Percentage of claims paid 99.3% 92.5% 93.5% Number of claims paid 10, 880 1, 716 1, 130 Our critical illness statistics don t include claims for children s critical illness cover or total permanent disability.
3 Our UK critical illness claims by region We tend to think that bad things only happen to other people. But, as our claims figures show, critical illness can affect anyone, anywhere. Scotland 11m N East In 2012 we paid more than 1,700 critical illness claims That s over 131 million N Ireland 5m N West 13m 5m Yorkshire 11m E Midlands 7m Wales 5m W Midlands 10m East of England 14m S West 9m S East 23m London 12m Also, 6 million was paid to others including customers overseas
4 A consistent track record We have a consistent track record of paying critical illness claims and we are committed to paying as many eligible claims as possible. In some small instances where we re unable to pay a claim it s because the customer gave us incorrect or incomplete information when they applied for their policy, and this might reasonably have affected our decision to provide the policy. We call this non-disclosure. We re proud that the number of claims we ve been unable to pay due to non-disclosure has decreased significantly over the years, giving you re-assurance we ll be there for you when you make a claim. Over 800m 150m paid since 136m 131m m 120m 118m 113m 106m paid 90m 60m 84m 10% 4% 30m % 2% 1.7% 1.7% 1% % Non disclosure % Year Our 2012 critical illness claims by age Male Female Overall 70% 60% 50% 40% 30% 20% 10% Did you know? Over 20% of our critical illness claimants are under 40 0% Under and Over Age
5 Our top five critical illness claims Over 93% of our critical illness claims are made up from five conditions: cancer, heart attack, stroke, multiple sclerosis and benign brain tumour. Some examples of the claims we paid in 2012 for these top five conditions are shown below. We ve also included the percentage of claims paid for each of these conditions by gender. Cancer Heart Attack Male: 39% Female: 61% M: Male: 89% F: 89% 11% Female: 11% Example: Female, age 35 Occupation: Doctor Amount paid out: 202,017 Example: Male, age 39 Occupation: Restaurant Manager Amount paid out: 137,453 66% 12% Stroke Male: 62% Female: 38% Example: Male, age 42 Occupation: Vet Amount paid out: 107,955 7% 7% 5% 3% Multiple Sclerosis Male: 38% Female: 62% Example: Female, age 35 Occupation: Police Officer Amount paid out: 28,638 Other Cancer excluding less advanced cases Heart Attack of specified severity Stroke resulting in permanent symptoms Multiple Sclerosis with persisting symptoms Benign Brain Tumour resulting in permanent symptoms or requiring invasive surgery Benign Brain Tumour Male: 40% Female: 60% Example: Male, age 53 Occupation: Managing Director Amount paid out: 81,297 The amount paid out when you make a claim will depend on your policy terms and conditions and your personal circumstances.
6 Children s critical illness cover When you take out our critical illness cover, we ll also include cover for your children for up to 25,000 per child, per policy for critical illness and 5,000 if they die, subject to our terms and conditions. We call this Children s Benefit. To find out more speak to your financial adviser. In 2012 we paid out more than 600,000 in children s critical illness claims, making it that bit easier for families to cope at a really difficult time. Our child critical illness claims 90% 80% 84.2% 70% 60% 50% 40% 30% 20% 10% 0% 1.75% Deafness permanent and irreversible 1.75% Kidney Failure requiring dialysis Income Protection 3.5% Stroke resulting in permanent symptoms We re really proud of our income protection claims statistics. In 2012 we paid 93.5% of claims received. By paying out almost 15 million we helped 1,130 customers while they recovered from an illness or accidental injury. Income Protection claims by gender 3.5% Traumatic Head Injury resulting in permanent symptoms 5.3% Bacterial Meningitis Our claims statistics show that the average length of an income protection claim is nine years and that 73% of these claims are made by men. Cancer excluding less advanced cases 73% 27% Did you know? The average age of people claiming for income protection is 53 years old
7 Our income protection claims Here are some examples of the income protection claims that we were paying in December The amount paid out when you make a claim will depend on your policy terms and conditions and your personal circumstances. Malignant Occupation: Helpdesk Administrator Age stopped work: 40 Time in claim: 10 years Current monthly benefit: 849 Other 8% 13% 30% Psychiatric Occupation: Teacher Age stopped work: 35 Time in claim: 5 years Current monthly benefit: Rheumatological Occupation: Bricklayer Age stopped work: 49 Time in claim: 7 months Current monthly benefit: % Neurological Occupation: Consultant (Medical) Age stopped work: 50 Time in claim: 13 years Current monthly benefit: % 21% Orthopaedic Occupation: Screen writer Age stopped work: 57 Time in claim: 7 months Current monthly benefit:
8 For more information about life, critical illness cover and income protection from Aviva, speak to your financial adviser Aviva Life Services UK Limited. Registered in England No Rougier Street, York, YO90 1UU. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number aviva.co.uk PT /2013 Aviva
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