This area covers life insurance policies, including term and whole‑of‑life policies, and related products such as critical illness riders and income protection sold to individuals and businesses. A solicitor in life insurance drafts policy terms, reviews illustrations, negotiates with insurers over exclusions, misrepresentation and surrender values, and handles disputes about claim denial or mis‑selling. They advise on policy design to meet client needs, assist with beneficiaries, and support claims when a death or serious illness triggers payment, often coordinating with financial advisers and regulators.
Why this work is usually handled by a solicitor
A solicitor brings professional indemnity protection, regulatory accountability, and a regulated client account to the handling of policies, mis‑representation disputes, and claims. Their involvement ensures compliance with disclosure and conduct standards, and provides access to regulated disputes resolution and advocacy where needed.
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