If you bought your annuity through an independent financial adviser, the chances of your having been mis-sold a policy are far lower than if you bought it straight from a provider. This is because you pay an adviser specifically to get you the best deal. However, that’s not to say you couldn’t have a case if you received professional advice. Insurance giant Aviva has recently compensated 250 customers who bought annuities following over the phone advice from agents who failed to ask the right questions about customers’ health.