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Hello, my name is***** hope you are well today. I am a qualified Solicitor, and I will be able to help you by providing you with an answer to your question today. I specialise in UK and Irish Law. I am not always online but rest assured if I do not respond immediately I will respond when I return.
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I can see that this is under Portugal's jurisdiction. Is this correct? If not, then I will answer your question under the impression this falls under UK jurisdiction.
Usually, if you commit life insurance fraud on your insurance application and lie about any risky hobbies, medical conditions, travel plans, or your family health history, the insurance company can refuse your claim.
In this situation, you should make a formal complaint and if that does not resolve the matter, ask them for a "deadlock letter," which is a letter giving their final response.
When you make the complaint, inform the insurer you plan to report them to the Financial Conduct Authority (FCA), which regulates them. You can reach the FCA to report them on 0800(###) ###-####if you wish. It may speed matters up.
Once you have the deadlock letter the next step would be to escalate this to the Ombudsman - they will investigate and liaise with the insurer which would hopefully result in a reinstatement of cover under the policy.
They can order the insurer to make a financial award for the inconvenience if they have acted poorly. Once you have their final response, you can make the complaint to the Ombudsman here: www.financial-ombudsman.org.uk/consumers/how-to-complain or by email:***@******.***
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Would you like me to provide details on how to locate one close to your home address?
You can conduct a search here: https://register.fca.org.uk/s/
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