Income protection

DullGreyGuy

Aretnap said:

The problem is that insurance call center staff aren't qualified to give financial advice on insurance products - let alone about entitlement to benefits

It goes beyond not being qualified to, a direct insurer will not be licensed to and so even if a person did have the right qualifications to be able to provide advice they still wouldn't be allowed to whilst working directly for the insures call centre.

Lucielooby

I have read up on the policy and this was a small protection policy. Benefits were taken into account when the policy was taken. This was purely a payment of £240 to cover the mortgage alone so no benefit would have been effected even if it was a mean tested benefit. 

Mom was so scared that all of her benefits would have been stopped. (My mom and dad both worked all their life until dads stroke) 
I genuinely feel this policy should have been paid. My mom spoke to the insurer and explained what she was scared of and I don’t understand why it wasn’t explained to her that when my dad took the policy benefits had been taken into account for him.
thank you all for your input it’s much appreciated.