Movember: Aviva paid out £16m in testicular and prostate cancer critical illness claims

 Aviva paid out £16,256,278 in total for testicular and prostate cancer critical illness (CI) claims to men during 2020. This was the equivalent of Aviva paying out £64,254 every working day.

To support Men’s Health month (Movember), Aviva has released statistics about common claims that affect men – testicular and prostate cancer, mental health and suicide prevention. Prostate cancer was the second leading cause of all male CI cancer claims[1]. During 2020, Aviva  paid £11,287,792 in prostate cancer claims to 167 critical illness customers – an  average payment of £67,592. However, prostate cancer was not one of the top five cancers that led to life insurance claims. Men are living longer with prostate cancer and therefore more likely to claim on CI policies than life cover. Overall, critical illness customers with testicular cancer were paid a total of £4,968,486, with an average payment of £97,421 to 51 customers.

Men under 60 accounted for almost nine in ten (87%) of critical illness (CI) claims, with 9% of claims coming from men aged  under 40. These figures  highlight the importance of men  regularly checking their health at all ages and having protection cover in place, even at younger ages.  Working with Macmillan, Aviva helps protection customers living with cancer to get access to the emotional, clinical and financial support they need.

Mental health

Tragically, suicide was the main cause of death for life insurance claims in men in their 20s and 30s. This represented 30% of male life claims under the age of 30 and 24% of life claims for men aged 30-39.  For income protection males claim at an average of 43 years old, with 44% of male claimants being under the age of 40. The most common cause of claim is mental health. In addition, Aviva’s income protection claims rehabilitation service supported over eight in ten men (84%)  with mental health concerns back to work.  

Having a common mental health condition shouldn’t be a barrier to discussing protection needs. If a customer discloses a mental health condition, Aviva will usually offer cover with just a few medical questions. Aviva has also undertaken a full review of its customer journey and underwriting practices to embed the Association of British Insurer’s Mental Health Standards, ensuring the underwriting approach reflects the evolving mental health landscape in the UK, and provides an empathetic journey for those disclosing a common mental health condition. If claimants suffer poor mental health after taking out their policy, they have access to Aviva’s Digicare+ app via their policy which can provide support such as counselling services.

Jacqueline Kerwood, claims philosophy manager at Aviva said:

Men of all ages are at risk of claiming for common critical illness conditions such as prostate and testicular cancer so it’s important to consider their health, wellbeing and protection needs as early as possible. While we know that men should undertake regular checks to be aware of the early warning signs of cancer, it’s also extremely important for men to be able to talk about their own health. This includes both physical and mental health and the desire to seek help and support to discuss any worries or concerns they might have. Should a customer be diagnosed with cancer or mental health issues, critical illness and income protection can provide crucial financial support to help customers focus on treatment and recovery rather than worry about their finances. Aviva can provide customers with additional advice and support through our partnership with Macmillan to help them deal with the impact of living with and recovering from a cancer diagnosis, as well as our Digicare+ App to provide people with mental health support.”

[1] The leading cause of CI cancer claims among men was gastro-intestinal cancer