Hi,
Looking for some advice in relation to two policies which my late Father had, apologies if these topics have been covered already on another thread.
My Dad passed away 2 weeks ago, 3 weeks after being diagnosed with cancer. His illness had been very sudden and symptomless until he was diagnosed. He had two policies with FF- a life assurance policy and a serious illness policy. I have notified the insurer of his passing and they say they will be in touch in due course with regard to claims.
Life Assurance:
- What type of information is the insuer likely to look for in relation to a claim under this policy? The policy was initially taken out in 2006. How long does it usually take to process a claim under a life assurance policy?
Serious Illness:
- Under this policy a condition is that you notify the insurer within 3 mths of being diagnosed with a serious illness. It seems to be that his particular illness falls within the scope of those covered in the policy. He notified the insurers himself, in writing, of his diagnosis within 7 days. It also states on the policy that you must survive 14 days after diagnosis. He survived 22 days from the date of diagnosis- this is the date the hospital told him that he had cancer, i assume that this would be the diagnosis date? What is the typical process for processing a claim under the serious illness policy? Should it impact the claim that he subsequently died?
In relation to the benefits under both policies are these usually paid to the estate of the deceased or to the spouse of the deceased?
Thanks for your help with this and any advise in relation to dealing with the insurers would be greatly appreciated.