Shame there isn't minus million on star rating my mum passed away in april and still waiting for an answer to see if we are going to get the £10000 of life insurance. But omg they are absolutely disgusting no manners and definitely no empathy for anyone i have been ringing them 3 or 4 times a week and also having to ring my mums drs to chase up medical records what the hell mum died of phenomena brought on by heart attack i really dont think they are going to pay out especially after reading the reviews. I have put in at least 5 complaints and also letter has been sent to the ombudsman