Top UK life insurance firm Legal & General (L&G) has argued that they are always on the lookout for ways to help customers avoid having their critical illness claims rejected for non-disclosure.

The provider declined 12.2 per cent of critical illness insurance claims last year for non-disclosure, and welcomed the new guidelines for critical illness definitions introduced by the Association of British Insurers.

An L&G spokesman said that keeping customers informed was crucial for the entire insurance industry.

"We welcome any move by a life insurer to improve customer confidence in critical illness cover," he commented.

"However, what many people may not realise is that, under certain circumstances, the industry already pays claims where there is non-disclosure that had no effect on the application terms."
He continued: "We are constantly looking at ways of reducing non-disclosure and there are clear, unequivocal warnings on our application forms."

L&G paid out on 83.3 per cent of critical illness claims made in 2006, awarding a total of £92 million. ADNFCR-980-ID-18212514-ADNFCR

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