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UK life assurance question regarding a beneficiary

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  • UK life assurance question regarding a beneficiary

    Hi
    I am looking for advice and reassurance on life insurance with a critical illness. This policy was taken out privately for coverage of a mortgage. The mortgage has since being paid back. The assurance company says that currently, the life insurance is unassigned, therefore i ask them this in a letter
    I understand that in the event of my death there is no beneficiary nominated in the above policy. I further understand that this is a critical illness policy which has got several benefits, however, it is in my understanding that I still can appoint a beneficiary for the event of my death; which would leave all the other benefits paid to me and only the Death benefit would be paid to my beneficiary on my death. *In the event of my death, the Death Benefit of the named policy should be paid to in the first instance to my wife.
    They said that they could not do this but did not explain why, because they are not allowed to sell or advise; only a broker could do this. My question is how can i get this done and if i die, will my wife get paid?
    *
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