Please go and see your local Citizens Advice Bureau as soon as possible and get some knowledgable advice on what to do next. If you dont do this then these types of bullying firms will not go away but will prey on your lack of knowledge and your vulnerabibity. Go tomorrow! Do not do anything else until you have got knowledgable advice. Best ...

Hi, My wife and I are just about to take a year in Spain. At the same time we want to obtain some joint life insurance. Are we covered by a british policy whist in Spain or would it be better to take out a policy in Spain? Regards