Holloway Friendly income protection claims statistics have shown 96% of all claims in 2012 were paid out.
Of the 4% of unpaid cases, the highest percentage (41%) was due to non-disclosure at application.
Holloway Friendly reported however there has been continual improvement in underwriting since moving over to ‘Big T' telephone-interviewing in 2010.
Mat Manser, sales and marketing director for Holloway Friendly, said: "Despite this high payout rate, we are still concerned by the number of clients we were unable to pay due to changes that occurred since they took their policy out which they hadn't told us about.
"We believe this is a big opportunity for advisers, to review their cases regularly and get in touch with their clients and with us, so that these figures are reduced."
