Have you ever had a Whole of Life with Hearts of Oak Family?

You could be owed £1,000s in compensation if Hearts of Oak Family mis-sold your Whole of Life policy!

You may have been mis-sold your Whole of Life policy by Hearts of Oak Family if any of the following statements are relevant to you:

  • I did not ask Hearts of Oak Family to set-up my whole of life policy.
  • I was not told by Hearts of Oak Family that my Life Cover premiums could fluctuate.
  • I was told by Hearts of Oak Family that my Life Cover would pay the full amount on first death.
  • Hearts of Oak Family made me feel pressured into taking out the whole of life policy.

Start your Hearts of Oak Family Whole of Life claim

You don't need to use a claims management company to assess your eligibility to make a claim(s). You are free to seek advice elsewhere and are able to proceed with your claim(s) yourself. If your claim isn't successful you can refer it to the financial ombudsman service (FOS). Alternatively, if the firm you wish to complain to are no longer trading, you can present your claim to the financial services compensation scheme.

Step 1

Complete our simple "Hearts of Oak Family Whole of Life" claim form above

Step 2

We'll give you a call to discuss your "Hearts of Oak Family Whole of Life" claim & to determine if you're eligible

Step 3

Receive pre-filled forms to sign and return to us

Step 4

Sit back and relax while we process your "Hearts of Oak Family Whole of Life" claim and retrieve your refund

Many customers may have been mis-sold their Whole of Life cover by Hearts of Oak Family. Hearts of Oak Family failed to inform a lot of customers that some Whole of Life policies were linked to the stock market which had an element of risk.

If the savings element of the Whole of Life policy was not performing well, the customer would be at risk of not receiving the full amount of the death benefit, in some cases Hearts of Oak Family failed to inform their consumers of this risk.

If you believe you were mis-sold your whole of life policy by Hearts of Oak Family, start you claim by completing the form above.

How did Hearts of Oak Family mis-sell whole of life policies?

  • Hearts of Oak Family did not make the customer aware that their Life Cover was linked to the Stock Market.
  • Hearts of Oak Family did not tell the customer that they had to have a 10 year review face to face by the advisor.
  • Customers were not advised by Hearts of Oak Family that if the savings element of the Life Cover is under-performing then they either have to increase their premiums or reduce their Life Cover.
  • Hearts of Oak Family failed to inform the customer that a Savings element attached to Life Cover may not have been the best option for them.

If my whole of life claim against Hearts of Oak Family is successful, what am I entitled to?

  • Refund of premiums paid to Hearts of Oak Family for your whole of life policy.
  • Compensation interest at 8% per annum of any compensation from the point of sale.

Whole of life providers