Take a look at the tabloid newspapers and you will see story after story in the financial pages of unsatisfied customers unhappy at their critical illness claim not being paid. If they are all saying the same thing then they must be right, mustn’t they? Perhaps they had a heart attack claim but it wasn’t considered severe enough to qualify for a pay out. Or they had a cancer condition but it wasn’t included in

The fact is that a lot of people never get round to taking out life cover. Who’s to say that they are right or wrong. So surely the majority can’t be wrong, can they? Providing a tax free cash lump sum or income on death is seen as important by the few but it’s never their right to think that way and to take course of action. After all, if you are single and have