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No Win No Fee

Get help with a declined life, trauma, income or disability insurance claim 

(Even if your claim was declined up to 5 years ago!)

If we agree to help

We'll investigate your claim

Fight for you until we win

You'll pay nothing unless we're successful

We fight for you & your family

We'll start with a free thorough investigation of every part of your claim. How your policy was sold, the application process, claimant's medical records, who did what and when.

We'll then let you know if we can help you with your declined claim. Not every applicant is successful. If we accept your case, there's a high chance of success.

A very detailed submission will be put to the insurer. Other options will be pursued if that doesn't work, like an ombudsman complaint or legal redress.

If we're successful, our fee will be a percentage of the claim 

Why choose Decline?

What we need to get started?

Any information you hold

Start by sending us any communication you've received from the insurer. If you have copies of your original application, reports or statements of advice or your medical records, this will speed things up.

Authority to ask questions

All policy owners & insured persons need to sign an authority for Decline to ask questions on their behalf. If the insured is no longer alive, we will need the person or organisation that was granted 'letters of administration' over the deceased estate to sign an authority. 

Example of a recent claim

What our clients are saying

Bryan gave us excellent advice and we had a very successful outcome to our claim when things looked dead in the water. A very big thank you to Bryan and his team. It has made our future much more secure.

Peter & Vicki H
Auckland

It has always felt like he’s batting for us and he always goes the extra mile to help. Showing compassion to us in a traumatic situation as well as professionalism is admirable and hugely appreciated.

Pauline Wrigley
Tauranga

Soon after dealing with Bryan I realised what a standout in the industry he is. He is 100% focused on what is best for the client, his integrity and ethics are absolutely unquestionable.

Kevin McKernan
Whitianga

Meet the Expert

Although not a lawyer, Bryan has a proven track record of getting declined claims overturned in favour of his clients.

  1. 37 Years of insurance industry experience
  2. Practicing insurance adviser
  3. Knows insurance law backwards

Bryan Tucker

Claims Advocate

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Contact options

- Email bryan@decline.co.nz
- Complete a contact form
- Start the Apply process

Declined does not offer a telephone enquiry service.