Good day 

My father took out a life insurance policy with an insurance provider in October 1991 whith a maturity date of November 2021, with myself being the beneficiary.  He passed away in March 1992.  My mother went to follow up on the insurance in May 2992 after his passing away and she was issued with an endorsement letter that stated that the policy would continue on my life. 

I've been trying to follow up on the insurance policy (before maturity date) and I've been informed by the Insurance Provider that the policy lapsed in November 1991 and that the endorsement letter was issued in error. 

I've taken the matter to the Ombuds for Long Term Insurance and the conclusion was that it is reasonably expected that for the policy to have continued, premiums should've been paid. On raising the element of misrepresentation by the insurance provider (that the policy is continuing on my life, while it had supposedly lapsed and therefore preventing corrective measures and creating expectation), a minimal/considered unreasonable offer for damages has been made by the Insurance Provider.  This offer has not been accepted.

Can you please advise on whether suing for damages due to misrepresentation can be effective in this instance.

Kind regards

Lydia Bam 

0825443685

Hi there,

I see that you haven't made a payment for the question, but I'm going to assist you a little. If you want to ask a follow-up question, please make the required payment.

Were the premiums on the life insurance policy paid from November 1991 (or from March 1992) to the date that you put in a claim?

Att. Patrick

Please remember this is a dialog if you have follow-up questions please make the required payment, then use the REPLY button and ask your further question. I would like to continue assisting you, but I need to concentrate on people who make payments for their questions.