“Law vs morality” – the power of FOS

We have written an article on how the FOS interpreted a complaint on a claim on a life insurance policy in relation to an individual later found to have been in the early stages of dementia when he bought the policy. The case looked at the distinction between where (as was the case here) the insurer was legally entitled to refuse to pay out on the claim, as opposed to whether it actually should do so.

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