Straight answers to my health insurance queries are at a premium

In 2007, I took out level term insurance with a NatWest Life personal pension. It cost £75 a month to cover my £270,000 mortgage. My financial adviser later questioned this. He knew my medical history and was surprised the premiums were so low. I had not been asked about my health when I signed the NatWest form, but I had a procedure on my heart 15 years ago, have severe palpitations and have been on antidepressants for 10 years. I asked NatWest why I had been sold a policy which was probably null and void but am getting nowhere. I have cancelled the direct debit until this is resolved. EM, London First, I urged you to reinstate the direct debit, to avoid jeopardising the policy. As you bought it before the rules changed in mid-2007, you get tax relief on the premiums. NatWest reinstated it. Meanwhile, both NatWest and its owner, Royal Bank of Scotland, were investigating your complaint. The original application showed the answer "no" to all questions about your medical history, but the bank cannot discover how this happened. NatWest said it had been chasing your GP for a report on your health, without which it could not make a decision. Two weeks later, RBS rejected your complaint. I suggested you put pressure on the GP to produce the vital information, which finally he did. NatWest decided you can keep the policy, with the pre-existing conditions noted, at the same premiums as you have been paying. • Email Margaret Dibben at [email protected] or write to Margaret Dibben, Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU and include a telephone number. Do not enclose SAEs or original documents. Letters are selected for publication and we cannot give personal replies. The newspaper accepts no legal responsibility for advice.