Help with claiming on terminal illness cover

Twoblackcats

Thanks Cynicalgit, you made me smile.

Dunstonh, yes you do only have my side of the story, but I have been open and truthful in what I have described.
Actually it would be great if Aviva's Medical Advisor (who has a one page letter about my husband to form his medical opinion) was right. He says my husband is going to live for longer than his own medical team have told Aviva.
I wish I wasn't in dispute with Aviva about how long my husband may or may not live:(

cynicalgit_2

dunstonh wrote: »

How do you know it is the insurance company that is wrong? We have one side of a story. Not the other. I am not saying that to play down what the OP said. Just posting with a devils advocate hat on. There are four sides to every story.

The fact your'e an "Independent Financial Advisor" just about tells us all.
Heart removed at birth.

cynicalgit_2

As an IFA you may well recommend Aviva products.
Why does everyone working in insurance assume all claimants are blaggers?
If you don't want people to claim then don't sell them rubbishy overpriced insurance policies.
Numpties.

opinions4u

cynicalgit wrote: »

The fact your'e an "Independent Financial Advisor" just about tells us all.
Heart removed at birth.

The poster clearly states that they are throwing in a "devil's advocate" point of view.

On the little detail provided it does indeed look like Aviva are behaving unreasonably.

But I'm no cancer specialist. Aviva's expert may be able to point at statistics that show that 75% of those with this condition at this stage that are told that they have less than a year survive for two. I have no idea and neither do you.

There's certainly no need to be offensive to somebody suggesting an alternative point of view.

I hope the OP gets this resolved rapidly with the minimum fuss possible. Google "Financial Ombudsman" to be prepared should Aviva be unhelpful. Make yourself aware of how to flag it up as a hardship / fast track case.

nonnatus

Thinking of you.

We were in the exact same position and our story is not a positive one I'm afraid.

Dad had Prostate cancer. Terminal. He thought he was well protected and in fact had two policies against this scenario. The biggest (£250k payout) would only pay out in event that he had less than a year to live.
He was having Chemo at the time and his vile NHS oncology consultant refused to sign the forms. This was in May 2012.
The cancer was in his spine, his long bones and even his blood. The chemo was stopped at Dads request because it made his life so awful. Still the consultant refused to "guess" how long he had left. We asked for a second opinion and saw another guy who was reluctant to "tread on the toes" of consultant A.

Bonkers.

The letter never got written, the money was lost. Dad died November 2012. 6 months later.
Mum wants to forget about it all but I'm SOOOO angry. Not about the money, because the other policy paid and we're comfortable, needing nothing, but because of the stress Dad went through, because he wanted to make sure WE were all OK and that would've been his way of doing it.

I pity any other patients who have to liaise with Consultant A. In fact, during the long Chemo sessions I spent with Dad, this Idiot's name was regularly bandied around as an example of the worst sort of person for this sort of role. Universally disliked.

Fingers crossed that your experience differs to ours OP. I'd be happy to talk to you privately should you need any other support of information,

Be kind to yourself x

opinions4u

The letter never got written, the money was lost. Dad died November 2012. 6 months later.

What was the reason for not paying out on death?

(Your post is very moving and very brave)

System

opinions4u wrote: »

But I'm no cancer specialist. Aviva's expert may be able to point at statistics that show that 75% of those with this condition at this stage that are told that they have less than a year survive for two. I have no idea and neither do you.

Which leaves 25% that do not survive. I would think that the specialists that have examined the person and have seen the extent of the cancer have a far greater idea than somebody sitting in an office looking at statistics.

Remission periods which can not be predicted can lengthen life. This is what skews this sort of statistics

opinions4u

!!!!!! wrote: »

Which leaves 25% that do not survive. I would think that the specialists that have examined the person and have seen the extent of the cancer have a far greater idea than somebody sitting in an office looking at statistics.

The specialist will be best placed to assess the appropriate course of treatment.

The medically qualified expert at an insurance company, supported by mortality statistics, is more likely to call it accurately though.

It's quite obvious that both can be wrong on individual case.

dunstonh

cynicalgit wrote: »

As an IFA you may well recommend Aviva products.
Why does everyone working in insurance assume all claimants are blaggers?
If you don't want people to claim then don't sell them rubbishy overpriced insurance policies.
Numpties.

As you noted, I am an IFA. So, why do you think I work in insurance? Clearly you dont know what an IFA is.

I clearly stated that I was posting a devils advocate point of view. Insurers can make mistakes and sometimes they can dig their heels in unreasonably. However, they also get a high proportion of consumers trying it on as well. The vast majority of claims get paid out on with no issues. No-one on this thread knows enough to say the insurer is wrong or right. The Aviva rep has posted to request information and hopefully a fresh set of eyes will look at that case and review the decisions made.

The fact your'e an "Independent Financial Advisor" just about tells us all.
Heart removed at birth.

Your post tells us all. Your brain removed at birth.

cynicalgit_2

dunstonh wrote: »

As you noted, I am an IFA. So, why do you think I work in insurance? Clearly you dont know what an IFA is.

I clearly stated that I was posting a devils advocate point of view. Insurers can make mistakes and sometimes they can dig their heels in unreasonably. However, they also get a high proportion of consumers trying it on as well. The vast majority of claims get paid out on with no issues. No-one on this thread knows enough to say the insurer is wrong or right. The Aviva rep has posted to request information and hopefully a fresh set of eyes will look at that case and review the decisions made.



Your post tells us all. Your brain removed at birth.

My guess its N.F.N.