Absolutely terrible company. Very very incompetent they had someone dealing with my case who only works twice a week even though I'm in danger of losing my home. Time is not of the essence with them. They have declined my income protection aswell as cancelling my life insurance I have terminal cancer so I am now un insurable. They really havnt got any customer care what so ever. I have asked on numerous occasions to speak to a manager only to be told on every occasion that I cannot speak to one. They have made or forced a very ill man into defying doctors advice and return yo work which I am not fit for. Shame on them. AVOID AT ALL COSTS