Originally posted by Iron Will
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There are some situations where terminal illness which is part of a wider life insurance policy may not be paid. Below are some examples that I've come across
If the illness is known about before the policy was taken out and not declared to the the policy company.
if payment is not maintained
if you're nearing the end of the life insurance term the terminal illness element is not available for the last 18 months this is a case in some Aviva policies.(This will depend on your policy)
Of course every case is different my suggestion would be to ask and for the reasons in writing that they give for not initially paying the claim then to make a complaint. If this is unsuccessful complain to the Financial Ombudsman
https://www.financial-ombudsman.org....deal/insurance
I have used this approach in the past and it is useful call them as it is very helpful in organising your complaint approach .
I hope you get on well with this
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