As quoted from our partner's website (Ratio Money Ltd):

Have you been mis-sold your whole of life insurance policy?

You will keep 100% of any settlement we do not charge you for Life Insurance Claims.

Have your Life Insurance Premiums increased to the point that they will soon be unaffordable or already are?

Unfortunately many people are experiencing the same financial pressures as a result of mis-sold Life Insurance policies, causing significant worry and concern.

Whole of life Insurance (Assurance) and Investment linked policies can be very expensive and as the policy ages the premiums can increase significantly. If you were not made aware of the scale of these increases or not informed of any future 'reviews' you may be able to claim back the premiums you have already paid, keep your insurance cover and receive compensation for your financial loss.

If you have any concern over your policy you can call us for a free consultation with no commitment 0800 848 88 10 (NOTE: Please mention us "FJ McManus Ltd" when you call) or 'click' Make A Claim Now.

How It Works

1. Simply fill in the online application form.
2. We will then send you a simple questionnaire in relation to your complaint and a letter of authority allowing Ratio Money Ltd/Legal Panel (Solicitors) to deal with your Insurance Provider in relation to your complaint and claim for compensation.
3. You will need to provide us with copies of your policies (if you do not have original documents see below).
4. If you do not have your original documents, we shall also require a cheque made payable to your Insurance Provider for the amount of £10 (which is the maximum amount your Insurance Provider can charge you for supplying us with all of your original documentation).
5. Once we have received your letter of authority, one of our claims advisors will contact you to discuss your concerns in more detail. We will then progress your complaint to your Insurance Provider and update you every way and claim your compensation/refund.
6. You keep 100% of any settlement as we do not charge for Life Insurance Claims (we are paid by Solicitors).
7. Claims over £5,000 (including interest) are dealt with in conjunction with leading solicitors, if your claim is over £5K we will also send you an agreement with a member of our legal panel (Solicitors).