Most life insurance policies will pay out when the worst happens — which makes it all the more traumatic when an insurer says no.
That was the case for Robert Byrne, who is dying of cancer. He took out a 13-year joint life insurance policy with his wife, Sally, paying £116 a month to protect them over the life of their mortgage so they would be able to make their payments if one of them died.
But despite his having been diagnosed with an incurable metastatic malignant melanoma in October 2018, his insurer Aegon will not pay out. The builder from Southampton first visited his GP about a lump on his hand, which resulted in months of tests and a cancer diagnosis. His health deteriorated,