My name is Rami Elmegirab, and I’m the older brother of Aimin Elmegirab, who passed away from a rare mutation driven form of lung cancer in 2022 at just 33 years old. He was a husband, a father, and one of the kindest people you could meet. He didn’t smoke. He had "no lifestyle risk factors" - words from his Doctor. He did everything right — including taking out a life insurance policy to protect his young daughter in case the unthinkable happened.

What happened next is a national disgrace.

Six months after taking out life insurance he was diagnosed with cancer. A year later, he died — leaving behind a grieving daughter and widow.

When the insurance claim was submitted, Royal London denied it. Their reason? They said Aimin didn’t disclose a cough on his application.

Aimin had in fact seen his GP, was medically cleared, and was reassured he was 'fine'. The GP Practice told his family this also after Aimin had passed.

But what Royal London didn’t tell us — what we only uncovered almost 4 years later — is this:

Aimin’s cancer consultant, Dr Price, submitted a cancer questionnaire in November 2021 confirming that Aimin’s symptoms began after the insurance application. This directly supported the claim.
At the same time, a GP from his local practice (Dr Christopher Provan) submitted a second version — suggesting the opposite.

But Dr Provan:

• Wasn’t Aimin’s GP
• Was never involved in his cancer care
• Wasn’t copied into a single hospital letter
• That version was used to deny the claim.
• The version from the actual treating consultant was withheld for years

To make matters worse, the GP version was submitted without consent, and against guidelines. It had no legal or clinical basis. But it helped Royal London avoid paying out on a valid policy.

Royal London even took a premium payment after Aimins death.

Aimin's daughter, 3 at the time, lost the financial protection her father made sure she would have. And every institution involved — from the GP practice, to their legal defence, to the insurer, and even regulators — has tried to deflect, delay, or stay silent.

We’re calling for accountability.