Ombudsman has failed me—not once, but twice.

My second experience with insurance, and once again, I've been knocked down.

In 2022, I lost a baby I was told I could only have through IVF. That loss broke me in ways I still struggle to explain. I sought help, took medication for a short time, and eventually found the strength to carry on for my daughter.

When I app**** for life insurance in 2025, I was completely honest about my miscarriage, my treatment, and my past mistakes. Somehow, my grief became a "psychiatric history" and my teenage experimentation became "substance use." I complained to the Ombudsman, but I walked away feeling unheard.

Then in 2026, I bought my first home. My broker told me not to worry. When my roof leaked during my first winter, my claim was rejected because of alleged lack of maintenance.

I'm just an ordinary person trying to protect my family. I pay my premiums, I trust the professionals, and when things go wrong, I expect the protection I've been paying for.

So what does "contact the Ombudsman if you're unhappy" really mean when you're an ordinary consumer going up against companies with lawyers and resources?

Because in my experience, the Ombudsman has failed me—not once, but twice.

And honestly, I'm tired of feeling like doing the right thing and being completely honest only leaves me more vulnerable.