Aviva paid out on 92.8 per cent of income protection claims in 2013, latest figures reveal.
The insurer paid an average of £35,342 in IP claims per day, with a total payout of £12.9m in the year.
The most common reason for claim was mental health conditions, accounting for 31 per cent of all claims.
Musculoskeletal and neurological conditions each accounted for 19 per cent of claims, with cancer claims making up 8 per cent.
A total of 1,462 policyholders received payments, with 72 per cent of claims coming from men.
Around 6 per cent of declined claims were rejected for not meeting policy criteria, with 1.2 per cent were declined for misrepresentation.