I would like to award them zero stars for their inability to provide any customer support and to discriminate against their customers age and disabilities. My husband has a term life policy with them that included a waiver option. He has been recently diagnosed with young onset dementia PCA meaning he can no longer work. He has paid over £100 a month in premiums for 19 years to now be told they removed the waiver option when he was 60(he is now 64)and he does not qualify. The policy schedule does not state that they will cancel this at this age and reduce the premium to reflect this. In fact it states the opposite- quoting the same amount to be paid throughout the 20 year term. The have no empathy, no morals and not an ounce of kindness. Stay away from this truly incompetent, discriminatory company and everything they embody.