Critical illness mis-selling? Discussion

RL11

PPI that you can't ever claim on is clearly miss-sold - but claims on that are all finished with, are they not?
Just because it doesn't pay out as quickly as you would like and doesn't pay out as much as you would like, doesn't mean it was miss-sold. Particularly as you state you didn't buy a more suitable policy because it was too expensive 

dunstonh

This was when I realised that of the 3 policies I had, not all of them kicked in at 12 weeks of sicknes as I thought, one of the policies had a deferral of 6 months and another policiy had a deferral of 12 months

Excellent. That means it is proper income protection and the split benefit is a common way to match affordability.  So, all good there.

The guy I was speaking to said that although the policy was with them, they did not sell it to me but it sounded like I had been mis-sold the policies do you think this is the case.

Nothing you say suggests it was missold.    The vast majority of these policies are not set up to pay out maximum benefit as most people will not pay the required premium to do that.  So, they put in place compromises.  These typically see things like split benefit kick in points (6 months/12 months for example) 

I recall not taking out a policy as soon as I became sick as it was too expensive but the policy that pays out a sum nearer to what I would need does not come into play untill 12 months of critial illness. 

You seem to confirm the reasons why it was set up that way.  You also appear to be confused as the 6/12 split applies to income protection. It does not apply to critical illness cover which has no such deferment.

It was only at this time that I was also made aware that my policy only convered a percentage of my income, not all of it and I have checked my paperwork and there is no mention  that it only relates to a percentage of my income. 

You are not allowed by law to cover all your income.  The figure has changed over the years but it would have been about 60% back then.  Again, people often didn't go to the maximum due to affordability.

Do you think I have been mis-sold?

Nothing you have said suggests a missale.    Some confusion on your part and some of your words confirm why things happened as they did.    

Even if it was missold, insurance wasn't regulated until January 2005.  You bought before regulation.