Terrible company that we are to take up with the ombudsman as the service is nothing short of insulting. Grandfather paid into a policy for 20 years and when died they are making it near impossible to make a claim. The staff are incompetent with a could not careless attitude. Wanting documents galore from a copy of the will , power of attorney , original death cert etc which has being sent twice recorded and still say its lost. The company is a complete joke. We have cancelled all our polices due to this and advising all family members to do the same along with my large social media network. Dont be fooled by the responses to reviews as nothing happens as just lip service , the company is nothing short of a shambles that should hang their head in shame and be closed down. Happen to take premiums , not so much on delivering the service paid for