My initial encounter was positive. I received a phone call following my enquiry, I found the person who dealt with me very professional, clear and an approachable manner. I received all my paperwork and everything was as it should be. Slight issues when deciding to cancel my policy during the cooling off period, when I telephoned the broker, who seemed reluctant to accept my decision. The information of my decision had not been passed on to the insurance company so I now have to deal with them myself directly. To the best of my knowledge, all the information I was given was to be trusted, however I was a bit surprised to find that one point was contradicted. I was informed that ..'it is illegal to have more than one life insurance policy' only to be told the opposite when calling to cancel. I remembered that my employer had one for me and remembering what I was told, I phoned to cancel because I didn't want to get into trouble, then to be told ' ...no that's ok...I know a man who had 7!' I was prompted to check with my employer because of my conversation with the broker so I know he said it was illegal, I didn't imagine it! For him to deny this part of the conversation makes potential customers think that they misunderstood or misheard and is the kind of behaviour found to be a typical character trait usually found in a perpetrator/victim relationship in cases of domestic violence and abuse. Something perhaps this company would like to consider when training their employees when using 'retail psychology' on potential customers.