Dear Katie,I was taken seriously ill in November 2023 and had to go to three hospitals in two weeks due to thrombosis on my abdomen and lung. It was life threatening, and if it had not been for the vigilance of my GP I could have died. The NHS hospital I was treated at did an amazing job, but it was a very frightening experience. I am a barrister and KC so I am self employed as a sole trader. I have been unable to work since this experience and my doctors have signed me off until they know I have recovered sufficiently to undertake very complicated and stressful work at the Bar. I have always taken insurance quite seriously and took out an income replacement policy with Reassure. This was designed to pay me a salary in the event I could not work for some reason, however the amount it has offered to pay out does not reflect my true earnings. Due to the nature of my job, and the effect the pandemic had on the courts, my salary has fluctuated greatly over the past five years. I feel Phoenix Group, which has taken over the policy, has calculated what it...