According to the recent survey carried out by the Consumers' Association; less than half of those people, who complained to the companies who sold them an endowment, bothered to raise the matter further with the FSA if their original claim was rejected.
Come on guys!
If you don't complain you won't get compensation; the companies who sold you the policies, more often than not, need a little "push" from a third party.
It costs nothing, other than a little of your time, to raise the matter with the FSA.
The clock is ticking!