The reasons for claim vary by age. Those under 40 were more likely to die due to an accident whilst those over 60 were more likely to die from cancer or from respiratory diseases. Causes of death by age 40 - 49 50 - 59 60+ Under 40 80% 20% 40% 100% 60% 0% Heart and Artery Respiratory Stroke and Nervous System COVID-19 Unnatural Death Other Gastrointestinal Urogenital and Kidney Cancer Suicides were the largest cause of unnatural deaths. Suicide Trauma (fall, injury) Alcohol/drug abuse Motor Drowning Industrial Breakdown of unnatural death claims The only claims we declined for Life Cover in 2020 were for suicide within 12 months of taking out a plan, click to view. The only claims we declined for Life Cover in 2020 were for suicide within 12 months of taking out a plan, click to view. Unnatural deaths were responsible for 6% of all Life Cover claims. The majority of unnatural deaths were suicides followed by traumatic injuries, alcohol or drug abuse and motor vehicle accidents. 38% 24% 13% 13% 9% 2% The only claims we declined for life cover were for cases where the cause of death was determined to be suicide within 12 months of taking out the plan, a standard exclusion for life insurance policies. Paid Declined Life Cover claims paid versus declined in 2020 99.6% 0.4%