Income protection - Policy mis-sold

How does Resolver work?

Explains your rights to you

You'll find no legal jargon in our simple, comprehensive consumer rights sections. Our guidance is tailored specifically for every type of issue.

Helps you prepare your emails

We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.

Creates a case file for you

Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with Resolver.

Lets you record all your communications

One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – Resolver does this for you automatically.

Lets you know when to escalate your complaint

If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.

You should know

Income protection policies cover a range of options:

Critical illness cover

While critical illness cover is often sold with life insurance, it’s important to note that they aren’t the same thing!

Critical illness insurance covers you in the unfortunate event that you happen to get one of the serious medical problems that are in your policy. The policy will pay out a single payment and then end (although policies will occasionally make a smaller payout for less severe conditions or in the event that one of your dependents has one of the listed conditions).

These policies normally include heart attacks, strokes, cancer, permanent disabilities and multiple sclerosis. 

Unlike life insurance, critical illness cover doesn’t pay out when you die. You should also be aware that you can’t retrospectively take out critical illness cover – meaning you won’t be covered for any illness or condition you know you already have.

 

Income protection insurance

Income protection insurance is a long-term insurance contract which is designed to cover your income in the unfortunate event that a medical condition or injury stops you from working. 

This is generally sold to cover long term illnesses, where your company’s regular sick pay won’t cover an extended leave of absence 

Income protection policies normally have a “deferred” period in which you won’t be entitled to a payout if you’re not working. This ranges from four weeks to two years, and accounts for the period in which you’ll be receiving sick pay from your employer.

A policy will usually run on a fixed term basis up until your retirement age, and does not have to be renewed.

If you meet the conditions for a payout, you’ll continue to receive it until you’re able to work, until you retire, or until you die.

This means that if you are sick, recover, and then get sick again, you can claim more than once under the same policy!

 

Personal Accident Insurance

Personal accident insurance is normally provided either as a stand-alone policy or as a benefit as part of another policy (for example, as a package with travel insurance).

Personal accident insurance policies cover death, permanent total disablement and loss of use of a body part.

 

 

We have 4,756 pages of rights advice for you covering 7,307 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.

Start by telling us the name of the company or organisation you have an issue with.

Who do you have an issue with?

Raise it for free via Resolver

Helping you with Policy mis-sold

Resolver covers the issue Policy Mis Sold for 3 companies and organisations:

a  b   c  d   e   f   g   h   i   j   k   l   m   n   o   p   q   r   s   t   u  v   w   x   y   z