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To cut a long story short I had a single policy with the following elements. Income Protection - Insurance will return payments plus interest Critical illness Benefit- Insurance will return payments plus interest Life Insurance - Will not return premium The income protection policy was sold when completely unsuitable when reading the glossary, circumstances salary was only 7K and the policy glossary recommended a salary of at least 10K, should not of been sold this part of the policy. On the basis that its a single policy and one element is so fundamentally flawed should