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CR202 Payment – paid-up policies

CR202 Payment – paid-up policies – insurer failing to implement premium escalation by increasing annual debit order amount as specified in the contracts – policies falling into arrears and becoming paid-up – complainant unhappy with resultant maturity values. Background The complainant’s husband died in 1994. At the instigation of his employers and their broker, the […]

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CR201 Paid-up value – informed decision

CR201 • Paid-up value – informed decision Background The complainant’s endowment policy, offering life and disability cover, had been in force for some 20 years when, in June 2003, he experienced financial difficulties. He telephoned the insurer’s call centre regarding his options. He was anxious to interrupt the payment of his premiums until his financial […]

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