When mum and dad realised they had paid in more than they were covered for, they contacted AXA who told them that the Insurance did not need a medical.

When dad died, they made it very difficult for mum to get the claim settled.

Mum died in October, I sent off all the necessary documents by recorded delivery, they returned them, I received a letter on Christmas eve to say that they will contact the coroner then tell me what other documents they want, to proceed.

Prudential settled within days, even though I had misplaced the policy. Prudential were kind and helpful too.

If AXA are being difficult about paying out a few hundred pounds toward funeral expenses, when the insured is certainly dead. Consider how hard it will be to get a claim settled for any of their other insurances