My original adviser has disappeared — is my policy still valid?
Yes. Your policy is a contract with the insurer, not the adviser, so it continues as long as premiums are paid. Contact the insurer directly using details from your policy documents. They can help with changes and claims, and you can find another adviser if you want advice.
Checking a firm
The FCA Register shows whether a firm is still authorised and who to contact.
Complaints about old advice
If you have concerns about advice from a firm that has closed, the Financial Services Compensation Scheme may be able to help in some cases.
Keep your documents
Make sure you have copies of your policy schedule and terms.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026