Took out a critical illness policy in 2017. In September 2022 I started dialysis due to Kidney disease. The £40,000 would have enabled me to have some time off work to get my health back on track. I got told they wouldn’t be paying out because I was a very occasional smoker from 2013-2015 when I met my wife to be this stopped promptly. I’m currently sat in a hospital bed with extremely high blood pressure and blood infections. I’ve been working too hard lately as will have to have time off when I eventually receive a donor kidney. I believe this current illness has been caused by legal and general and unfortunately for them this will be taken as far as need be to get a result. They have truly ruined things for myself, my wife and my 3 young children. Luckily my wife worked in a solicitors for 20 years so has some dear old friends that are more than willing to help out.