I have a decreasing mortgage cover policy with Zurich which has been in place for almost 10 years. I recently contacted them to see if they would pay out regarding my diagnosis SLE with class 4 nephritis. They refused as SLE is not listed on my documentation as it was not generally recocnised when the policy was taken out. The same policy with Zurich today however, or any other life ins company for that matter, will pay out for SLE. Has anyone else experienced or challenged this. I think its greatly unfair as people dont generally review life ins policys each year to see if there are new diseases they could be covered for. Basically if id took out this policy 6 months ago, fine, they would pay out, but because ive had it and paid into it for 10 years, they wont.