Claims

Life Insurance that’s on your side

We're here when it matters.

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Our approach to claims

When the worst happens, Reviti Life takes care of you

Our team empathises with what you’re going through. Scottish Friendly, our chosen product provider, will be able to provide the guidance and support you need during this challenging time.

In the business of paying claims

Scottish Friendly paid 99.5% of all claims*

Reviti Life Insurance policies are provided by the Scottish Friendly Assurance Society Limited who are one of Scotland's longest-standing life insurers for over 150 years.

Scottish Friendly paid 99.5% of all claims in 2019*.

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Leave the hard stuff to us

How to make a Life Insurance claim

Whether you're making a claim for yourself, or on the policyholder’s behalf, Scottish Friendly is here to help.

Scottish Friendly knows filing a claim is not part of your everyday routine. To help you through this difficult time, they make it as clear and easy to do.

1

Start your claim

To make a claim for your death, your family or next of kin should call 0333 323 5433.

2

Claim form sent

You will then be sent a claim form for you to fill to complete.

3

Complete claim form

Complete the claim form and send back together with an original death certificate.

4

Keeping in touch

Scottish Friendly will get in touch about your claim and explain what happens next, keeping you updated along the way.

5

Claim assessed

Your claim will be reviewed and you’ll receive a response from Scottish Friendly.

6

Life Insurance pay out

If the claim is approved, Scottish Friendly will make the payout.

Early payout for terminal illness

Making a Terminal Illness Cover claim

If you are diagnosed with a terminal illness you should call 0333 323 5433. If you're diagnosed with less than 12 months to live, you may be able to claim for an early Life Insurance payout.

Medical reports from a doctor are required if you are claiming for a terminal illness.

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We understand that when someone makes a claim, it is at a difficult time in their lives

Things you’ll need to make a claim

Before making a Life Insurance claim, try to gather the below information if it's available.

  • Policyholder’s full name and date of birth
  • The policy number, if you have it
  • Medical reports from a doctor if you are claiming for a terminal illness
  • An original death certificate if the policyholder has died

Life Insurance payouts

A Life Insurance pay out is a sum of money that is paid out if you die while covered by the policy. In the case of a Terminal Illness Cover claim, Scottish Friendly will pay you directly.

Putting your Life Insurance into a trust

Place your Life Insurance policy in trust to help make sure the claim payout is paid quickly and to the right people and could lower inheritance tax liability.

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Frequently asked questions

You’ve got questions. We’ve got answers.

If I die or am diagnosed with a terminal illness, how is a claim made?

To make a claim for your death, your family or next of kin should contact Scottish Friendly as soon as possible. They should do this within 6 months of your death. Scottish Friendly will send a claim form for them to complete and return.

Scottish Friendly will need documentation such as a death certificate and proof of identity to ensure the right people are paid.

If you have been diagnosed with a terminal illness, then you, or your next of kin, can contact Scottish Friendly as soon as possible. Scottish Friendly will require some reports from your doctors (and possibly specialists) and don’t worry, you won’t be charged for any of these reports. They will then check that your condition meets the definition as defined in the policy wording.

Once all the documentation is received and the claim is approved, payment will be made in a matter of days. If your policy hasn’t been put in a Trust, Scottish Friendly will pay the lump sum to you (for terminal illness) or as directed by your personal representative for a death claim. If your policy was in Trust, then the proceeds would be paid in accordance with the Trust.

Are there any reasons the Life Insurance policy won’t be paid?

If within the first year of your policy, you die as a result of taking your own life, this policy will be cancelled and the lump sum will not be paid. However, Scottish Friendly will refund any premiums paid to your estate. If we find out that you or the person making a claim provided us or Scottish Friendly with false or incorrect information a claim may not be paid.

How is the payment claim handled?

Once all the documentation is received and the claim is approved, payment will be made in a matter of days. If your policy hasn’t been put in a Trust, Scottish Friendly will pay the lump sum to you (for terminal illness) or as directed by your personal representative for a death claim. If your policy was in Trust, then the proceeds would be paid in accordance with the Trust.

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