Life and health insurance are essential because they lessen the financial burden that comes with a death, serious illness, or disability that can keep you from earning your regular salary.  It is for this reason that it is crucial to ensure that your insurance policy is valid, so that your claim will be paid as expected.

Now what happens when a giant insurance company refuses to pay out your money without a valid reason?  What is your legal right?

Guest: Denise Gabriels, The Lead Ombud for the Life Insurance Division of the National Financial Ombud Scheme