Explore our first annual claims report, featuring real data, client case studies, and insight into the claim journey from first call to final payout.
Our support ensured these policies remained active when needed.
To support them from the start of their claim, while 9% of claims were identified during a review
With an average monthly benefit of ÂŁ1,940 this allowed our claimants to focus on recovery rather than bills.
Following the loss of a loved one. These payouts provided financial relief; secured mortgages and protected the long-term.
With a serious condition able to prioritise recovery with a tax free lump sum payout.
Were completed across Terminal Illness, Childrenâs Critical Illness, Fracture Cover and Premium Waiver.
Our support ensured these policies remained active when needed.
To support them from the start of their claim, while 9% of claims were identified during a review
With an average monthly benefit of ÂŁ1,940 this allowed our claimants to focus on recovery rather than bills.
Following the loss of a loved one. These payouts provided financial relief; secured mortgages and protected the long-term.
With a serious condition able to prioritise recovery with a tax free lump sum payout.
Were completed across Terminal Illness, Childrenâs Critical Illness, Fracture Cover and Premium Waiver.
Our 2025 data paints a clear picture. The people who needed their cover most were employed, had families depending on them, and couldnât afford for their protection to fail. 82% had children at home. 73% were the sole breadwinner. 93.5% risked losing their income whilst claiming. These arenât just statistics - theyâre the reason getting protection right matters so much.
93.5% of our claimants lost an income whilst making a claim - making their protection not just valuable, but essential
73% of income protection claimants are sole breadwinners. For most, a gap in cover isnât an inconvenience - itâs a crisis.
74% of our life insurance payouts were written in trust - ensuring money reached its intended recipients quickly, bypassing probate entirely.
76% of our claimants came to Waddle first when they needed to make a claim. We were there from the very first conversation to the final payout.
61% of our claimants are male, 39% female. Protection needs are equal, but the gap in cover isnât. Weâre committed to closing it.
Our average claim took 90 days to pay out. Weâre focused on shortening that journey. Because when life stops, every day counts.
93.5% of our claimants lost an income whilst making a claim - making their protection not just valuable, but essential
73% of income protection claimants are sole breadwinners. For most, a gap in cover isnât an inconvenience - itâs a crisis.
74% of our life insurance payouts were written in trust - ensuring money reached its intended recipients quickly, bypassing probate entirely.
76% of our claimants came to Waddle first when they needed to make a claim. We were there from the very first conversation to the final payout.
61% of our claimants are male, 39% female. Protection needs are equal, but the gap in cover isnât. Weâre committed to closing it.
Our average claim took 90 days to pay out. Weâre focused on shortening that journey. Because when life stops, every day counts.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out ÂŁ75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
Life can be unpredictable, but your claim journey doesnât have to be. With Waddle by your side, youâll have dedicated support from your very first call to your final payout
Whether youâre looking to review your existing cover to make sure it still works as hard as you do, or youâre looking for advice on a new policy, our advisers are here to help. Weâll make sure the right protection is in place - so that when you need it most, it delivers.
Get Proper Peace of Mind đ§
Download our 2025 claims report for the full data, real client stories, and an honest look at what happens when protection is truly put to the test.
Inside youâll find everything from our end-to-end claims process and the support we provide at every stage, to deeper trends from our 2025 data. Weâve also sat down with our senior advisers and Head of Claims for an honest Q&A on what really happens when a claim lands on their desk.
Real claims. Real people. Real outcomes - all in one place.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
