Regent taking advantage of elderly

My father-in-law passed away November 2014 - He had two vehicles and both had life insurance policies on as he was very adamant that my Mother-in-law should have a vehicle if something happened to him. She is a pensioner and would not be able to keep up with the payments.<br> <br> We put in the claim to regent and were informed that the claim was declined as the medical condition he died of (heart failure ) was not mentioned on the application form and that they have a clause that states that no payout will be made if the death is a result of a existing condition. We did some investigation and found that the part of the form where the medical history is suppose to be was not completed at all, no y's or n's. but regent received a medical certificate from a doctor stating his condition in order to cover my mother as a second driver.<br> <br> We contacted the FAISombudman. After a struggle regent said that the policy was sold by an agent not registered with them. How can they let policies be sold by unregistered agents and then not take responsibility for those policies,they took the money every month for the premiums. Its easy to con old people.<br> We are still trying with the ombudsman,almost a year