Hi,

I took out a joint life insurance policy for myself and my husband and had been paying the premiums till his death recently. I have put in the claim to the life insurance company and they are requesting I return the original policy document which I cannot ever remember receiving and did not think about until now. Obviously I cannot find it! Without this they say I need to take out a lost life policy indemnity and that this could cost a few thousand pounds due to the sum insured. We did not have this attached to a house or anything else and was just a life insurance policy not endowment or other. I am not sure what this is and why I need to pay for a policy to indemnify the insurance company when I have all the other details and can prove that I am the beneficiary of the policy which I need to do anyway. Surely an afadavit should be sufficient.! He did not leave a will and iIhave put in the probate forms which I also need in order to submit this indemnity policy request.

Please can you advise on this subject. Any information/suggestions/advice would be gratefully received.

Thanks