Life Insurance, refusing treatment.

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I have life insurance via my employer, and I don't really want to ask any questions with HR etc, so here goes....

Anyhow if I refuse treatment will the insurance company deem this as suicide and therefore can they refuse to pay out.

I just want to ensure my wife and kid's still get the pay out.

I really don't know who to ask, this isn't the sort of thing I can bring up to my employer.

It probably seems like a daft question, but is something that is playing on my mind.


  • Hello  

    Thanks for getting in touch. I am sorry to hear about your diagnosis and the worries you are facing around treatment and the possible impact on your life insurance

    As this is quite a sensitive matter we would need to understand more about your diagnosis and why treatment might not be an option for you as this will allow us to support you better and give you tailored guidance

    It may also be beneficial to chat to us about your wider circumstances such as mortgages, pensions or any other insurances, therefore it would be better for us to discuss this over the phone. The Financial Guidance team is available Mon-Fri 8am-6pm on 0808 808 0000 or you can contact us via webchat.

    Kind regards,

    Financial Guide

  • Hi Lisa,

    Thanks for responding. 

    I'm just weighing up my options. It seems I have to spend the next few years in and out of hospital, even with the best possible outcome or many more if things don't go so well.

    If I don't have treatment I guess I'll have a couple of good years instead of 10plus hellish years. It's never going to just go away.

    I'll give the number a call at some point.

    Thanks again