Avoid at all costs! My mother who is 61 took out a policy for income protection - She claimed a year after the policy was taken out as she is not well. They honoured the claim for 3 months then just stopped. They have no grounds to stop paying, they are using clauses which are not applicable. my mother was fit and working when the policy was taken out - and has proof! They are claiming she was not- with NO proof and will not take into accounts and proof! She paid for a-policy she can not claim from and now left in a place where she cannot take out another policy as she is unable to work! I am taking this to the authorities! Very unfair!