If the policyholder dies, arrangements will need to be made to cancel the policy or to make a temporary change to the policy for cover to remain in place.
We will ask for a copy of the death certificate and updated contact details for the spouse or Executor. If an Executor or Administrator is handling the estate of the deceased we will also need their contact details and a copy of the grant of probate or letter of administration.
The spouse or partner handling the estate of the deceased policyholder can cancel the policy or it can be reissued in their name.
If the policy is to be reissued we will need to update the risk details and provide a new quotation for the new owner. This will be subject to our usual underwriting criteria.
We cannot cancel the policy until we have a copy of the death certificate and, where necessary, other supporting documents. This would usually be discussed and arranged over the phone.