The scheme is an insurance policy that will pay a regular income if the policyholder cannot work - usually after three or six months off work.
Increasingly, investigators find themselves battling gangs that steal the identity of a policyholder and then file false claims under his name.
This is paid by an insurance company to the beneficiaries of the policyholder when they die.
This type of insurance covers the policyholder against damage to either a third party or a third party's property.
Claims were sometimes also rejected due to non-disclosure of material facts by policyholders .
CA claims that this insurance adds to policyholders ' debts instead of protecting them against hardship.
They are obliged to remind policyholders of this right four months - and then again six weeks - before they retire.
Birmingham is the second most dangerous city to drive in, with more than one in seven policyholders involved in an accident per year.
The letters, which had to be dispatched before the end of the month, offer policyholders the chance to review their arrangements.
If I worried any policyholders unnecessarily, then I must apologise.