Hi, I am hoping that someone can give me some advice with regards to my claim. I have a critical illness policy with friends life and in september whilst away with my family I suffered and unexpected heart attack and cardiac arrest in spain. Once back in the UK and feeling a little better I opened my critical illness claim, medical details were a struggle as it happened in Spain so required them documents and had to have the translated etc. Now that they have most although still said they did not have my ecg results, they called and said that looking at my medical report my docter has confirmed that we have a strong history of heart condition in the family with my mother having a bypass at 48 and my brother suffering a heartattack at 28. I disclosed the fact of the heart condition of my mother on the forms however I did not declare my brother which at the time of completing my form I was never aware and only when they called I was made aware. We do not really talk and my brother is very much a private person and i dont think he had told anyone of his condition and to be honest whenever I have seen him has looked fine and is 40 now. When I have been for regular tests for my cholestrol the docter has said we need to keep an eye on it due to family history but never ever indicated my brother had any issues. I have now been told that they could cancel my policy as i did not declare this information and had I the underwriters may not have given the policy or the premium would have been different. They said they will make a decision in the next week and may need to write to my docter again possibly to ask if I would have knew. I confirmed that I genuinely did not know and was open about my mother and would have been about my brother if I was aware. Reading the internet their are so many stories of how they look to find any loop not to pay and this seems to be something so am not very confident at this point. I would really appreciate some advice and what steps I could take if they decline my claim, or what I could do in the meantime, I still have not spoke to my brother about this as I do not want him to know i do know as he obviously kept this quiet for his reasons. Thanks Gavin