You can call our claims line on 020 3758 9742 or write to us at: Habito Insurance Claims, 50 Mark Lane, London, EC3R 7QR.

When a claim is made, life insurance benefits are paid in full in one payment to your loved ones. They can choose to use the money however they want. 

Some people use the funds to pay off their mortgage, but they can equally be used to care for children, pay school or tuition fees, and cover day-to-day living expenses. 

Life insurance benefits may be liable to inheritance tax laws, depending on whether they are held in trust, payable to a surviving spouse, or the value of the estate. 

You should speak with a financial adviser if you’d like to know more about inheritance tax.

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