

COMMON PROBLEMS
We commonly receive complaints relating to:
- Conclusion of contracts of insurance;
- Interpretation of proposal forms and policy provisions;
- Lump sum and income disability benefits;
- Annuities;
- Funeral policies;
- Rejection of claims by insurers because of:
- non-compliance with policy provisions;
- breach of warranties;
- pre-existing conditions;
- non-disclosure;
- fraudulent claims;
- Cancellation of policies by policyholders because of:
- mis-selling and misrepresentations;
- Lapsing and re-instatement of policies;
- Communication, administration and other errors by insurers;
- Compensation for poor service.
- Policy values