Complaining about a Life Insurance Company

If you want to complain to a Life Insurance Company you should write to their Compliance Director.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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Where can I find help?
To help you find your question, we have organised our FAQ’s into relevant groups. Answers to all sorts of more general questions are found in the General Questions section.
Does Life Insurance have to be associated with a mortgage?
No it does not. Many policies are used to provide additional financial security for the family.
Should you consider Critical Illness cover instead?
If you have no dependants or already have Life Insurance, you should consider Critical Illness Insurance instead of Life Insurance.
Should you include Critical Illness cover on your Life Insurance policy?
You should certainly consider taking out Critical illness cover whether you combine it into your Life Insurance policy (which is by far the cheapest way to buy both insurances) or you take out separate policies (which gives you far more protection – see below).
What is the Difference Between Critical Illness Insurance and Terminal Illness insurance?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover.
Full details of how to complain will be found within the booklet issued to you by your insurer under “complaints procedure”. This booklet will have been sent to you when you applied for your insurance.

The life insurance company will consider your complaint and to reply to you in writing explaining the results of their investigations.

If you are unhappy with their reply and you are financially worse off as a result of your transaction with the insurance company, you can write to the Financial Ombudsman Service. They will complete another independent investigation. The results of this investigation and their recommendations, including any compensation, are usually binding on both you and the insurance company.

Life Assurance

Frequently Asked Questions related to the above topic.
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