Life insurance/mortgage protection: should I claim?

I heard on the news that it's the last 24 hours, so now or never...

In 1996 I bought my first house.
The estate agent who sold me the house also arranged the mortgage (and it was actually a good deal) and a life insurance policy that would pay out in the event of death or serious illness.

At the time I was single and wasn't too bothered about the death bit, but I thought if I am seriously ill I don't want to be homeless, and so I signed up.

A bit later on (maybe a year or two) I realised that in the event of serious illness that the policy would not pay off the mortgage, it would only pay the payments for one year and after that I would be homeless anyway.

At that point I cancelled the policy.

The problem is that I don't remember exactly what the estate agent fellow said or didn't say. I really don't think that he mentioned the one year clause though. It didn't deliver what I thought it would and that's why I cancelled it and that is a fact.

Do I have a claim?

Is it against the life insurance company or against the estate agent?



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