I had 'keyman insurence' with Lloyds bank. In october 1996 I had to finish work on medical grounds. The insurence would not pay up as the policy had "pre-medical" conditions attached. Lloyds at the time did not say which or if any conditions were pertinant. My premiums were returned and I had to continue to work with medical problems. Because I was ill it, followed that my business suffered and the bank made life very difficult. (I believe this was due to me making an official complaint). I was also forced into giving a personall guarantee on my home, which the bank are presently trying to reposses through the courts. I am desperate now for any advice or help.(posted 8011 days ago)