Bad service

<p>I had my policy for a number of years, the policy had life cover, disability cover and dread disease cover. In 2015 I had a heart attach and had to undergo a double heart bypass operation. During July 2015 I had some financial difficulty and could not pay my premium. A lady contacted me and said I could reinstate my policy without paying arrear premiums, and that if I did this before a certain date the policy will be reinstated immediately. Upon enquiring about claiming for dread disease, I was told the policy was cancelled due to non-disclosure. They got away with years of paying loyally, just to refuse a claim. This year I enquire regarding another policy which I have been paying loyally as well for years now, just to be told it has lapsed due to non-payment. I have proof of payment of all premiums. They just say sorry, no go. You can get your premiums back but no interest on the money paid. They have all the correct contact information, but we were never informed of the policy lapsing. This is extremely worrying, because it means they pocket millions from unsuspecting clients, just to turn around and say "sorry, no claim" or "sorry, no cover". This is pathethic and more people need to be made aware of the ****s in the insurance companies.</p>