AMP has said it is within its legal rights to charge dead people life insurance premiums, as it hit back against preliminary findings from the Hayne royal commission's hearings into the insurance sector.

Australia's largest insurance groups have responded to a series of preliminary findings relating to hearings into life insurance last month, rejecting many of the allegations contained in the findings.

AMP has rejected the findings from the royal commission. Credit:Jessica Hromas

In its submission, the Commonwealth Bank's CommInsure has denied breaching laws governing insurance companies, saying admissions by its executive Helen Troup that the insurance group did not act in the utmost good faith with ill customers making claims against their policy might be true in fact, but not in law.

Another major group that came under fire for its treatment of ill people trying to claim on life insurance, TAL , agreed with the commission that it had breached its duty to act in the utmost faith towards its customers but rejected the preliminary findings by counsel assisting the inquiry that it had systemically breached its duties when assessing claims.