Mis-sold Whole Of Life Policy

Possibly 95% of Whole of Life policies were mis-sold. The consumer chooses a sum assured and pays regular monthly premiums to an insurance company. Part of the premium is used to build up an investment fund. The amount that the consumer is required to pay and the sum assured is set on the basis of certain assumptions about what will happen in the future. These assumptions include the cost of providing life cover and how well the investment fund will perform in the future.

How to Identify Whole of Life policy mis-selling and seek compensation:

Consumers were sold expensive Whole of Life policies when they only needed life cover for a fixed period of time.
Some were sold the policies when already having appropriate life cover.
The investment element of the policies may not have been the best advice.
Many policies were sold with a low start premium to entice consumers which was subsequently subject to review.
You only needed life assurance for a limited time, or there was a cheaper option available.
You didn’t need life assurance at all, e.g. you may have had a high level of protection built into your Final Salary Pension Scheme.
You were advised to take the policy as a way of saving.
You were not made aware that there was risk associated with the policy.

Why Use Us?

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Specialised Knowledge Our team has extensive experience in handling financial mis-selling cases, providing informed guidance tailored to your situation.

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Fair Fees: Our fees are fair and in line with FCA rules. There is nothing to pay unless your claim is successful. View our fees here >

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Comprehensive Representation: We offer full representation throughout your claim process, from initial consultation to resolution, providing peace of mind and clarity every step of the way.

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Transparent and Supportive: We believe in transparency and provide personalised support, ensuring you understand your options and feel supported throughout your claim.

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Expert Service: We’re proud to have recovered millions for pension mis-selling clients. Let us help you with your claim. Read our testimonials >

You do not need to use a claims management company to make a claim. You can do this yourself for free, and if your claim is unsuccessful you can pursue it yourself with the Financial Ombudsman Service. If your product provider or your financial advisor is no longer in business, you may be able to use the Financial Services Compensation Scheme (subject to their Rules).
X-Claims Limited is authorised and regulated by the Financial Conduct Authority – FRN: 829746

What Our Clients Say

We have hundreds of happy clients, read their reviews of our service

Successful Claim – Dr K – Apr 23

“Lorraine and the team at X-Claims are highly professional and communication was excellent at all stages. They are highly experienced experts in their field and give sensible and honest advice regarding the prospects of a claim. I would recommend them to anyone concerned about historical pension mis-selling (in my case of FSAVCs).”

Successful Claim – Mr M – Teacher – Apr 22

“I cannot speak highly enough regarding the friendly and professional way in which my FSAVC claim was handled by Lorraine and her team. They handled everything for me and my substantial compensation was a delightful surprise. I will be strongly recommending X-Claims to my colleagues and friends.”

Successful Claim – Dr R – Jan 23

“Lorraine Williams and her team have proven to be tenacious and patient in making representations to Sanlam and Sun Life Financial of Canada, which has resulted in over £60K in compensation being recovered.

I have recommended X-Claims to a number of colleagues, who are of a similar generation to me, in the 1980s – 1990’s who were heavily pressured and oversold into purchasing Free Standing Additional Voluntary Contributions (FSAVCs) as a way of maximising our pension pot at the start of our NHS Careers.

I thoroughly recommend X-Claims as a relatively stress free way to recoup money that was paid as commission to ‘Financial Advisors’ pedalling their financial products inappropriately to Junior Doctors on NHS Final Salary Pension Schemes.”

Successful Claim – Dr D – Dec 21

“Since being introduced to X-Claims, I have found their service to be nothing short of fantastic ! They have been extremely clear in what is needed, and extremely patient also. My thanks to Sophie and Lorraine for their incredibly hard work in achieving a very positive result for me, and for keeping me updated throughout the whole process. I would wholeheartedly recommend them to colleagues in a similar position, as their persistence in pursuing my case reflects their commitment to their clients.”