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Julie Mansley

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Review of the Cirencester Friendly, Income Protection:

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Nearly 20 year policy holder. Refused claim

I’ve been a long-term policyholder with this company for nearly 20 years so my experience with them has been particularly disappointing. I recently submitted a claim and it was declined on the basis that my situation did not meet their definition of a ‘disabling illness’, despite medical input. While communication was polite, the process felt rigid and heavily dependent on narrow criteria rather than the overall impact on my ability to work. I would strongly advise anyone considering this type of policy to fully understand how claims are assessed in practice, particularly around stress, exhaustion or mental health-related conditions. I was also left with the impression that stress and mental health-related conditions are not always given the same weight as more visible physical conditions, which is important for prospective customers to be aware of. They rejected my claim despite evidence of a medical fit note being issued. I do not feel it is worth paying into their policy now and I will cancel my policy with them. I no longer have confidence in their assessors assessment of what constitutes an episode of illness and their claims process. Reviewed on: 21st March 2026

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