Flawed Income Protection…

Flawed Income Protection…

We were asked to review an Income Protection policy to identify if it represented good value.  At first glance the premium was competitive, but small print revealed claims would only be payable for up to one year.  When we explained this to the customer,...
Badly mis-sold…

Badly mis-sold…

Having made arrangements via another broker (no longer trading), a lady contacted us for help.  She’d been diagnosed with cancer and approached her insurer to discuss claiming on her Income Protection. IssueOn checking, the broker had actually arranged Critical...
Occupation mis-represented…

Occupation mis-represented…

A gentleman who works over 6 months of the year at sea in a moderately dangerous job  approached us to arrange Income Protection. Having spoken to many insurers, we were unable to find one that would consider cover.  The job wasn’t the issue, the issue was the...
Critical  information missing…

Critical information missing…

A gentleman contacted us having very recently arranged Life Insurance elsewhere.  He explained how he’d provided his broker with very detailed and sensitive medical information, but, when he read through his application form, there was no mention of the medical...
Hobby mis-represented…

Hobby mis-represented…

We were asked to arrange Income Protection for a gentleman who enjoys rock climbing, abseiling, bouldering, scrambling, mountaineering and ice climbing at an advanced level.  From an insurers perspective, these activities are unsurprisingly termed “hazardous”. Some...
£5pm cost £595k Life Insurance

£5pm cost £595k Life Insurance

Having been notified by an insurer that a direct debit for a policy we’d arranged had been cancelled, we called the customer see if we could help. They explained another broker had recommended new policies, “superior” to the cover we had arranged around a year...
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