AN insurance giant has refused to pay out after a Huddersfield mum died from a brain tumour.
Now her grieving husband has spoken about what happened to him as a warning to others.
Sharon Parker was diagnosed with the brain tumour just two months after she and husband, Jason, took out life insurance.
The couple have an eight-year-old daughter, Georgia, and live at Scapegoat Hill.
She had been to her GP surgery in the summer of 2003 after suffering from a headache, but was seen in two separate consultations by two GPs.
Jason said both doctors felt the headache was due to a migraine brought on by the closeness and concentration of her work and drinking too much coffee.
She was 35 when she died in August and worked as a seamstress for wedding dress company Bows And Belles.
The brain tumour was picked up during an eye test at an opticians in Huddersfield in November, 2003.
Jason said: "I'd bought an ISA from the insurance salesman before and he told us he had switched to Friends Provident in September that year. At the time I'd just changed my mortgage over to a new lender.
"He talked to us about life insurance, but we only had a relatively small mortgage and did not see the need at first.
"But he said that if something happened to me then Sharon and Georgia would need a quality of life not just the mortgage paying off and the insurance would provide that.
"When we took the policy out I was only thinking of my health. It was all about me.
"Sharon was never ill and did not drink or smoke.
"The premium was around £19 and that was for me because I'm a smoker .
"It only cost another tenner to add Sharon on, so we did."
He said the salesman filled out the form and at one point asked them if they had any physical or mental ill-health.
They never thought about the GP visits as both doctors had said it was nothing more than migraine.
Jason said: "I never really looked at the form until I came across it when I was sorting stuff out after Sharon died."
And it was only even later that he realised the policy was due to run out in 2019 when he would only be 48!
But Friends Provident said they would not pay out on Sharon's death but would refund the premiums since 2003.
They highlighted one section on the form which states: "In connection with your physical or mental health have you, within the last two years, had any medical consultation (eg with a doctor, psychiatrist, consultant, hospital, clinic, osteopath, etc) investigation, test, drugs or any other treatment or are you awaiting any?"
There was no mention of a GP on the form. The box next to this question was ticked no.
Jason said: "How many people go to see their doctor with headaches and migraine, are given advice or medication and that's it.
"The GP said he'd only had one other case which turned out to be a tumour.
"The salesman asked us if we had any physical or mental health problems and we said no. Sharon was as honest as the day is long.
"She said she'd been to the doctor's for headaches and he said that everyone goes to the doctor's with a headache.
"He was ticking the boxes. We were not reading the form.
"Just about everyone goes to the doctor with a minor ailment, but who would think to put that on a form?
"My understanding is a headache alone is not a symptom of a brain tumour anyway. It would need something else associated with it such as numbness or dizziness."
Sharon had part of the tumour was removed, but surgeons could not get it all for fear of causing devastating injuries.
Radiology followed for six weeks and Sharon was stable for around a year, but she then suddenly collapsed at home.
The tumour had grown and was pressing on her nervous system.
Chematherapy and a pioneering drug treatment were tried, but Sharon's condition deteriorated sharply early this summer and she died on August 6.
Jason said: "The insurance money would have ensured I could give Georgia the attention and care she deserves, especially after losing her mum in such a terrible way."
* Jason had also to battle with a ticket company after paying £300 last Christmas for Sharon and her mum, Susan, to see Robbie Williams at Roundhay Park in Leeds in early September.
Jason said: "We hoped Sharon would make it to the concert and paid so much to ensure she had a place at the front."
He was told the tickets would come two weeks before the gig, but Sharon died a month before. He intended to give the tickets to his niece and nephew but the tcikets never arrived despite repeated calls to the ticket broker, krystalsboxoffice.co.uk
The agency refused to comment, but has said Jason will now be given a full refund.
FRIENDS Provident have today revealed they are willing to look at the decision again if Jason makes a formal appeal.
But they say the headaches Sharon suffered were bad ones that only started shortly before the insurance application was made.
A Friends Provident spokeswoman said: "They lasted several hours, made her nauseous, could make her vomit and even woke her up on occasion.
"Different drugs and treatment were tried by her doctor.
"The symptoms were continuing when Mrs Parker applied for the insurance. If we had been told about this, we would not have offered any insurance to Mrs Parker at all."
She added: "It is essential for people to disclose all their medical history as requested on our application form."
But she said Mr Parker could appeal against the decision and if he does, they will review the claim.
She added: "We haven't yet received a letter of appeal from Mr Parker giving reasons why he thinks we may have come to an incorrect decision. If he writes to us, giving such reasons and evidence, we shall carefully consider what he says and will review his claim.
She added: "The form doesn't say specifically GP because we want to know about consultations with any doctor, not just the person's GP.
"We asked if Mrs Parker had consulted a doctor or if she had had drugs or treatment. She'd both consulted a doctor and had drugs/treatment, but these were not disclosed to us."
When Friends Provident declared the life insurance on Sharon void, they told Jason they would repay all the premiums paid.