Complete guide to challenging refused life insurance payouts. Non-disclosure under Insurance Act 2015, duty of fair presentation, proportionate remedy (voiding is rare), Financial Ombudsman Service, policy interpretation (contra proferentem).
If a life insurance payout was refused, you can appeal. Common denials: non-disclosure (you didn't mention health condition), misrepresentation (you misled insurer), exclusion clause. Under Insurance Act 2015, non-disclosure must be material (would affect premium/terms) AND insurer must prove it. Even material non-disclosure doesn't automatically void - proportionate remedy applies (reduce payout, not cancel). FCA rules require fair handling within 8 weeks. Escalate to Financial Ombudsman Service for free investigation and binding decision (up to £385,000 compensation). Beneficiaries have full right to appeal.
Use FightingBack's InsuranceFight tool to appeal non-disclosure refusal and file FOS complaint.
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