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One policy insurance policy - CIB, Income Protection and life insurance

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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 I be able to get the Life cover payment too, can I claim the whole of the policies payments, as the reviewer states did not have enough life cover at the time, typical the life element was the most expensive

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