Firm analysis

Phoenix Life Assurance Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Phoenix Life Assurance Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

290 published decisions involving Phoenix Life Assurance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

290

Firm-specific decision volume in the public corpus

Upheld rate

15.2%

44 upheld decisions

Latest published decision 24 Apr 2024

Published decisions

290

Firm-specific decision volume in the public corpus

Upheld rate

15.2%

44 upheld decisions

Leading product

Investment and pensions

205 decisions

Leading complaint theme

Delay In Claim Handling

61 tagged decisions

Phoenix Life Assurance Limited at a glance

Phoenix Life Assurance Limited appears in 290 published decisions in this corpus. 15.2% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Investment and pensions is the firm’s clearest product exposure in the published decisions, with 205 decisions and an upheld rate of 13.7%.

  • Latest active year in the published data: 2024 (2 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Cobs

Volume and outcome trajectory

Phoenix Life Assurance Limited's decision trail runs from 2013 to 2024. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Phoenix Life Assurance Limited appeared in 2 published decisions with an upheld rate of 50.0%.

  • 2024: 2 decisions, 50.0% upheld
  • 2023: 20 decisions, 10.0% upheld
  • 2022: 18 decisions, 16.7% upheld
  • 2021: 19 decisions, 26.3% upheld
  • 2020: 26 decisions, 34.6% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Phoenix Life Assurance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Cobs, Disp, Fca Principles, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Investment and pensions: 205 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-471232624 Apr 2024Upheld

Phoenix Life Assurance Limited · Pensions and Annuities

DRN-4712326 The complaint Mrs P says Phoenix Life Assurance Limited (Phoenix) delayed in processing her pension benefits claim. What happened I’m not going to refer to everything, just what’s central. Mrs P, who is resident abroad, had a pension policy with Phoenix. She contacted Phoenix o... (6 pages)

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DRN-457525123 Jan 2024Not upheld

Phoenix Life Assurance Limited · Insurance

DRN-4575251 The complaint Mrs C has complained about a cheque issued by Phoenix Life Assurance Limited in 2002. Mr C represents Mrs C, who is his mother. All references to Phoenix Life include former financial businesses for which it is responsible. What happened The background to this di... (2 pages)

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DRN-448345429 Nov 2023Upheld

Phoenix Life Assurance Limited · Pensions and Annuities

DRN-4483454 The complaint Mr A complains about the contradictory information he says Phoenix Life Assurance Limited (Phoenix) gave him about the retirement options for his pension plan. He says this might have led to him making the wrong choice. He also complains that the payment of his be... (5 pages)

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DRN-410347715 Nov 2023Not upheld

Phoenix Life Assurance Limited · Insurance

DRN-4103477 The complaint Mr C complains he was mis-sold a mortgage protection life cover plan (the plan) by Phoenix Life Assurance Limited as he didn’t need the plan and it wasn’t affordable. What happened Mr C took out the plan in November 2000 for a term of 25 years to cover a mortgage ... (3 pages)

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DRN-419316222 Sept 2023Not upheld

Phoenix Life Assurance Limited · Pensions and Annuities

DRN-4193162 The complaint Mrs C complained that a Market Value Reduction (MVR) was applied to her pension benefits when she took them as a lump sum. She believes that she was not made aware of the effect of the MVR on her benefits by Phoenix Life Assurance Limited. (Phoenix Life). What hap... (4 pages)

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