Mis-sold Life Insurance?

[Deleted User]

oneconfusedgirl wrote: »

providing copies of lost documents.

It's not a "lost document" you are requesting; just details of the cover provided by something still being paid for...

Midna

could anyone advise
I have had several life insurance policies with lloyds tsb through the years was told in was essential evry time I took out a loan or mortgage refinance eventually cancelled them as at one point had 4
I work with public services and life insurance covered me throughout my working life. Could I make a claim?

Goldiegirl

Did you have any dependants such as wife, partner and children?

If so, it's difficult to argue that life insurance was mis-sold. If you had died, they could have claimed on the life policies and cleared the mortgage/ loan. Then the life insurance from your work could have been used to replace your income and would have allowed them to pay for all the other day to day living expenses.

If you had no dependants, and no family at all, life insurance would not have been essential, as the house would have been sold to clear your debts, so you could claim for mis-selling on that basis

If you had died, I bet your family would have been grateful for the policy, and the word mis-selling would never have entered their minds

dunstonh

Midna wrote: »

could anyone advise
I have had several life insurance policies with lloyds tsb through the years was told in was essential evry time I took out a loan or mortgage refinance eventually cancelled them as at one point had 4
I work with public services and life insurance covered me throughout my working life. Could I make a claim?

It is normal for people to have life assurance with their mortgages. In the past it used to be compulsory but now its left to common sense. Unless you were single, no dependants and living alone, the life assurance would be needed and not a mis-sale.

Your employment has nothing to do with life assurance for covering debts.