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Ince Gordon Dadds Emergency Response +442072836999

& Health/Life

We understand the challenges and issues associated with the sale, marketing, insurance and reinsurance of life business and the many associated products in the sector.

Our considerable experience in the life sector is complemented by our expertise in accident and healthcare related claims, including the PA spiral, workers’ compensation and accident and health business.

Accident & Health/PA

We regularly advise in relation to a broad range of claims and coverage issues including claims for Permanent Total Disablement (PTD) and Temporary Total Disablement (TTD).

Examples of our recent experience include: 

  • Advising in relation to Sports PA coverage claims 
  • Advising the IUA and market underwriters in relation to the EU "Gender Directive" 2004/113/EC and exclusions related to pregnancy conditions
  • Acting on behalf of a Lloyd's syndicate on reinsurance issues arising from workers compensation business and the operation of "sunset" clauses
  • Representing insurers in respect of claims made under travel and life policies in relation to diving related "accidents"
  • Advising an international coverholder in relation to contractual arrangements in relation to medical/healthcare expatriate business
  • Advising Lloyd’s syndicates on regulatory issues arising out of the sale of event cancellation products (and whether such constituted life business)


We regularly advise life insurers on outwards reinsurance matters and on intra-group arrangements both in a contentious and non-contentious context, including as part of cross-border global programmes.

We also advise on non-traditional life products in the context of reinsurance.

Here are some of the ways in which we have helped our clients:

  • Working with them on a major Part VII transfer involving the transfer of life business 
  • Representing a direct life insurer in respect of life commission payments, claw back and rebate arrangements (including dealing with sensitive policyholder data and re-broking of existing clients)
  • Representing a major life reinsurer in respect of a significant reinsurance dispute arising from the pricing of term life assurance
  • Drafting treaty wordings for a number of major life reinsurers advising on aggregation of catastrophe risk, collateral and solvency issues, transfers of business, minimum standards in underwriting, claims and dealing with customers
  • Drafting reinsurance wordings for life insurers to protect their life insurance book of business
  • Advising a major life reinsurer on disputes arising from the reinsurance of viatical products
  • Acting on behalf of life insurers and reinsurers in dealing with complex claims (including assignment of claims proceeds) and medical non-disclosure cases (including fraudulent claims)

For more information as to how we can help you to meet your commercial objectives in the life sector, contact Kiran Soar.

Key contact