Insurance provider, Legal & General has made amendments to its life insurance plans so that surviving partners can easily benefit where intentional non discloser has occurred.

The firm is now presenting single life insurance policies to those who had their joint insurance plans cancelled before on account of partners who refused to disclose important information.

Underwriting and claims director of Protection, Russ Whitworth said that the company thinks it is fairer to provide a single life insurance policy and charge people the same premium they would have paid at the time. This option, they feel, is far more suitable than making these life insurance holders apply for a cover again.

Prior to this amendment, surviving partners missed receiving the much needed cover as Legal & General stumbled upon evidence of deliberate or reckless non-disclosure and refused a claim. This situation had led to that particular person facing premiums that were much higher if they signed up for a new policy and their health worsened.

Whitworth added that it was quite rare for the company to cancel a joint life insurance policy due to significant non disclosure. However, it stated that it can happen.

This kind of incident leaves the surviving partner with no cover, although it is not their fault. For this reason, steps have been taken to help these people.