Life & Health fraud
Our discrete Life and Health team advises life, critical illness, income protection and personal accident insurers on suspicious and fraudulent claims and in relation to policy coverage and material non-disclosure/misreprestation.
Our experience
- Handling complex multi-insurer cases in respect of life and CI claims.
- Advising on investigations and when sufficient evidence is gathered to alleged fraud.
- Preparing repudiation letters.
- Working with specialist private investigations and forensic accountants, as a team, collating evidence on suspicious claims.
- Advising on fraudulent non-disclosure/misrepresentation of financial information, medical history and moral hazard.
- Preparing avoidance letters.
- Instructing accident reconstruction experts to identify the cause of the alleged accident.
- Instructing medical experts to advise on causation, and extent of alleged disability.
- Advising you or representing you in respect of FOS referrals.
- Preparing criminal procedure compliant statements along with preparing a file for referral to the police for criminal investigation.
- Liasing with the police in respect of criminal proceedings.
- Advising on identity fraud.
- Representing and advising insurers in civil court claims.
Significant reported cases
- Successfully defeated a fraudulent life assurance claim where the Court returned a finding of attempted deception against insurers - Patel v Windsor Life Assurance Co Ltd [2008].
