I have just looked at appalling reviews and what baffles me is that there is a so called governing body and they are obviously not doing their job. My ex husband and I have four children and we were sold endorsement policies telling us that if anything happened to us or if we retired our mortgage will be fully paid off and we will also have a lump some. Halifax building society deny that they paid the independent financial advisor alongside Scottish widows. It didn’t pay our mortgage off . In fact there was a shortfall. The whole system is made of people ripping you off and these governing bodies do nothing but turn a blind eye. I am disillusioned by the system