Can you recover the money lost on the stock exchange on life insurance?

The life insurance contracts whose value has fallen contracts are so-called "multichannel" with units of account invested in stock market, and then indexed on the evolution of financial markets. If you have lost money on a contract of this type, two actions are possible. First, the contract may be canceled if the insurance company has not issued any information provided by law, including special conditions. Indeed, the subscriber has the option to abandon within 30 days after delivery of all documents. The law provides that this period is indefinitely deferred until all the information required by law has not been given to the insured. The cases in which insurers have not fulfilled their obligations are common, especially for contracts prior to 1 May 2006.
In canceling the contract, the insured will get the full amounts paid and therefore the losses and underwriting fees and interest.
The alternative is to order the insurer to pay for losses if it failed in its duty to provide information and advice. This is particularly the case when the client was advised improperly or when he was mistaken about the essential nature of the contract. For example, when a person has been encouraged to invest in units of account as prudence required it to focus instead on euro fund or if the insurer has not complied with the direction of an insured asking him 'steer money to the fund in euros. Or if the profile management (risky, cautious or balanced) announced during the underwriting contract was not fulfilled.