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When you pur chase travel insurance or breakdown cover, you understand that when you claim on it, it won’t directly replace what you have lost. The plane will still be delayed, the car will still have broken down. The aim of the Insurance is t o provide you with a level of compensation so that you can deal with the situation more easily.

Broadly, that is the basis for most forms of insurance and life insurance is no different. Life Insurance (in fact any sort of Protection contract) will never replace what you ha ve lost but will at least enable the people affected to deal with the situation more easily.

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Registered in England and Wales No 04163906. Registered Office: Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley Lancashire PR7 1NY.
Perspective (North East) Ltd is authorised and regulated by the Financial Conduct Authority.
Perspective (North East) Ltd is a subsidiary of Perspective Financial Group Ltd.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:
The Financial Ombudsman Service Exchange Tower,
London, E14 9SR
Tel: 0800 023 4567 or 0300 123 9 123
www.financial-ombudsman.org.uk

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