Scottish Widows | Clerical Medical
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Now that the takeover of HBOS by Lloyds TSB is virtually a done deal, what will happen to these two famous and long established Life Assurers?
Clerical Medical gave up their mutuality to HBOS some years ago, at roughly the same time Scottish Widows was acquired by Lloyds TSB during the period when ...Read more
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21/11/2008 |
A near miss for Standard Life?
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It is being said Standard Life are lucky they were unsuccessful in their attempt to take over the closed fund business of Resolution Life last year for many billions of pounds, which would no doubt look a bit sick on their balance sheet today.
Nevertheless, judging by the recent bonus payouts of s...Read more
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28/10/2008 |
A provocative thought - who hedges the hedgers?
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Aviva owners of Norwich Union and others have in response to FSA supervision of Assurers solvency margins in the wake of the credit crunch have declared even after allowing for a 40% drop in asset values they would still have a sizeable surplus, over and above, any required margin, and in addition t...Read more
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15/10/2008 |
Zombie Funds re-visited
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Zombie Funds
Is it possible these funds might just be coming into their own?
As we see it, the investment managers have no interest in making these closed funds perform, and as a consequence have invested in staid Government Gilts, Corporate Bonds etc. with the result in these troubled times...Read more
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09/10/2008 |
Good news for Prudential "with profit" policyholders
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According to a Prudential spokesman their "with profit" fund has increased in value by 91% over the past 5 years ending 2007. Bonus payouts do not reflect this stunning performance, and in the present financial climate then naturally we expect the fund to be much reduced in value, but measuring payo...Read more
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06/10/2008 |
Clerical Medical and Scottish Widows
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Behind the scenes of the HBOS and Lloyds TSB merger, two other famous names in the shape of Clerical Medical and Scottish Widows may find themselves merging. In the nineties, just to remind everyone, the High Street Banks devoured many of the well known Insurance Companies, and these two in particul...Read more
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24/09/2008 |
"With profit" payouts
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It certainly looks as though the credit crunch is taking its toll on the "with profit funds" generally, and has dispelled the myth of smoothing being the mechanism of holding back profits from the good days and paying out in the bad days, thereby producing over a 25 year period a similar return for ...Read more
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27/08/2008 |
Standard Life and Legal & General do well for shareholders.
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Both companies in the face of global adversity appear to have enhanced their respective business's for the benefit of shareholders, so let's hope they have done just as well for their long suffering "with profit" policyholders, when the time comes to allocate bonuses.
Of course, many Standard Life ...Read more
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07/08/2008 |
Commercial Union and General Accident re-attribution payout
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The BBC have a very good article on this subject which may be accessed from the undernoted link....Read more
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01/08/2008 |
Winners and losers
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Who would want to be a "with profit" policyholder these days? There was a time when you could give a Life Company your money, and rest assured in 25 years time you would get it back with a nice little bonus, and in the meantime you would be covered for life assurance.
Now, you have to very careful...Read more
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19/07/2008 |
Prudential and Royal London policies in demand
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In the last couple of weeks we have been approached by keen investors to purchase policies in the above Companies. Do they know something we do n't know?
We doubt it, because it is common knowledge Royal London are sitting on a large Inherited Estate, and Prudential also, but perhaps more import...Read more
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26/06/2008 |
Possible merger /takeover between Standard Life and Friends Provident
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What a good idea! We perceive both these Companies have a similar business philosophy, and a joint operation should fit together nicely! That is not to say their respective computer systems will be compatible but what the heck, why should that worry anyone?
Turning now to a serious note major Assur...Read more
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25/06/2008 |
Inherited estates and mis-selling compensation
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Is the FSA right in telling "with profit" fund managers it is no longer acceptable to be paying compensation claims out of orphan funds? A distinction is made between Proprietary and Mutual Companies for obvious reasons, but where will it all end? The reasoning is to punish Managers and Shareholders...Read more
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04/06/2008 |
Reattribution windfall bonus at Prudential
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It has been reported that Prudential are having second thoughts about distributing any of their £8.7 inherited estate. With all of the rest of the financial market place in a complete state of disarray why take a chance of rocking the boat, and as they say the surplus funds underpin the "with profit...Read more
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16/04/2008 |
Inherited Estate - clarification
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The companies within the Aviva group consisting of Commercial Union, Provident Mutual, and Norwich Union, all have funds to distribute when the formula has been agreed with the Policy Advocate. However,only Norwich Union policyholders who effected policies after the year 2000 will be entitled to an...Read more
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27/02/2008 |
Viva Aviva - good news on the inherited estate payout
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Contrary to our bulletin earlier this month it rather looks as if progress has been made in negotiations with the Policyhoder Advocate - Claire Spottiswoode, and roughly half of the perceived inherited estate is to be distributed over the next three years to "with profit" bond, pension, and life pol...Read more
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06/02/2008 |
Orphan Funds, Inherited Estate, or just plain Re-attribution of cash
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We gather in the cases of Aviva and Prudential the shelling out of surplus cash to policyholders has stalled somewhat, as the Companies and the installed Policy Advocates are unable to agree an equitable split.
The "with profit policyholders are looking for 90% of the surplus funds to be paid to th...Read more
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01/02/2008 |
Friends Provident woes
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What a sorry state this once proud Quaker founded company now finds itself in!
Despite, de-mutualising some years ago, and issuing shares at 230p each, which are now languishing at 163p, and having failed to tie up with Resolution Life at the end of 2007, they are now having to contemplate selling ...Read more
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02/01/2008 |
Happy Xmas and Prosperous 2008 to all our subscribers.
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24/12/2007 |
Zombie Fund consolodation
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Now that Resolution LIfe have been taken over by the Pearl Group at the last count we came up with the following names of closed funds all under one roof, and they are:
Pearl
National Provident Mutual
London Life
Australian Mutual
Newly added:_
Phoenix
Century Life
Crusader
Britannic
...Read more
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19/11/2007 |
New Capital Gains Tax regime
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Over the years traded endowments have been extensivley purchased by UK individuals to take advantage of annual CGT personal allowances. However now, because of changing circumstances holders of Traded Endowments may wish to review
their portfolios, and we are in a position to make attractive offer...Read more
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09/11/2007 |
Lost Norwich Union, Scottish Union, and Yorkshire Insurance Company policyholders.
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Norwich Union has an estimated £40 million pounds to share out with an also estimated 40,000 lost policyholders. This sum of money has been built up since the 1950's and emanates from unclaimed proceeds from life and pension policies.
If you think Xmas could come early for you this year then go ...Read more
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07/11/2007 |
Famous names - Hot pot
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Where will it all end? We have Resolution Life seeking to merge with Friends Provident, and then we have the Pearl Group teaming up with Royal London trying to takeover Resolution prior to the successful merger outcome. On top of that we have Standard Life and Swiss Re. threatening to make a bid fo...Read more
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25/10/2007 |
Norwich Union - inherited estate
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We assume this also includes all the other Companies within the Aviva Group, namely General Accident, Commercial Union, Provident Mutual, etc., and we learn any distribution of the inherited estate is now likely to be deferred until 2008, and policyholders may track progress at www.policyholderadvoc...Read more
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12/09/2007 |
Traded endowments perfect for inclusion in a SIPP
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Although yet again we repeat ourselves, with all the turmoil in the stock markets of the world, who would want the uncertaintity of cashing in ones retirement fund today? This is where Teps comes into their own. Take the good example from our current sales list of our reference 87788 a Prudential po...Read more
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15/08/2007 |
Standard Life and Prudential
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Both Companies have reported good first half year results, and whilst this usually means shareholders will benefit the most, in the case of Standard Life they have indicated their "with profit" fund is in good shape, and have slightly increased terminal bonuses, and they also feel confident enough t...Read more
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03/08/2007 |
Resolution Life/Friends Provident takeover or merger?
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It seems strange only a few years ago Friends Provident de-mutualised in order to gain a stock market listing, and one imagines access to cash and/or credit, and now we learn the merger with Resolution Life is a good thing because surplus funds are avaliable from this source to finance expansion. N...Read more
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26/07/2007 |
A Royal merger
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It is muted Royal London and Royal Liver will merge their operations, and we see only benefits in a such a move. However, we hope those responsible for making the final decision will bear in mind the inherited estate of both funds which in both cases should be considerable owing to the length of tim...Read more
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07/05/2007 |
Cashing in your endowment?
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Should you cash in your endowment or borrow against it? To get the sums right you will need to consult an IFA armed with all the salient facts regarding your personal situation, but the following pointers will aim you in the right direction.
Usually you can advantageously borrow from your own Assur...Read more
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10/04/2007 |
The war of re-attribution steps up!
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No wonder the Prudential rejected Aviva's £17 billion takeover bid last year knowing they were sitting on orphan assets of nearly £9 billion within their inherited estate. So who does this belong to? We do agree not necessarily to the current crop of policyholders on a 90:10% basis as is usual with ...Read more
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18/03/2007 |
Inheritance Tax Lottery
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For once everyone sems to agree there is considerable uncertainty regarding the application of inheritance tax on life assurance policies set up specifically to avoid or mitigate this tax.
One thing seems certain all those policies particularly whole of life policies established in the 60's and 7...Read more
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29/01/2007 |
Announcement concerning all Norwich Union, Commercial Union, General Accident, and Provident Mutual, policyholders.
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Aviva Group the parent company of all the above mentioned companies have announced they wish to divest themselves of their inherited estate also known as orphan assets. Because it is unclear who these assets belong to in the first place, and in what proportion they should be distributed to policyho...Read more
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22/01/2007 |
Self invested pension plans (SIPPS and SSAS)
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For many years now we have been extolling the virtues of using traded endowment policies within the "do it yourself" pension schemes now readily available to all and sundry. Why?
Well first of all, pension scheme fund managers have not fared particularly well at looking after our long term savings,...Read more
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10/01/2007 |
A Happy and prosperous New Year to everyone
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As active buyers of "with profit" endowment, and whole of life policies, in particular those policiess issued by such Companies as Prudential, Clerical Medical, Norwich Union, and Royal London, to name but a few, we are looking forward to a busy 2007. Although our own preference will be for policies...Read more
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31/12/2006 |
The Prudential does it again!
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We are delighted to be able to report the Prudential once again have increased their terminal bonus rates, thereby making themselves one of the best "with profit" perfomers in the UK. Full marks to their investment managers.
The hope is this excellent performance, will further work in their favour...Read more
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08/11/2006 |
Friends Provident demutualisation windfall deadline
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More than 100,000 Friends Provident policyholders have yet to claim their windfall entitlement to either free shares or cash if they are overseas residents. Policyholders who think they may be eligible for a free distribution are invited to telephone the Company on 0845 070 1170...Read more
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31/10/2006 |
Public Service Announcement
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Because this website is accesssed from all over the world, we feel it is right and proper to broadcast to all Standard Life "with profit" policyholders that if they have not claimed their free issue of shares following demutualisation then they should now do so.
Apparantly 270,000 qualifying policy...Read more
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03/10/2006 |
Resolution Life
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This is the new stock market listed group that has bought up the closed funds of many famous names, including Britannic, Royal and Sun Alliance, and latterly Scottish Provident, and Scottish Mutual out of the Abbey National stable.
It looks as if they are thinking of marketing their own original ...Read more
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03/09/2006 |
Scottish Widows in the news?
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We have heard Lloyds TSB would like to pass the parcel on this one, and that a Swiss Group have been sniffing around, but that's all we have heard, so if anyone has more news please feel free to let us know....Read more
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16/08/2006 |
Standard Life - Surrender value - Alert
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Following a bonus reduction notification yesterday the 3rd August, policyholders should be aware that surrender values have in all probabilty also been altered, so before submitting policies for valuation, a fresh surrender value should be obtained.
It would appear our chrystal ball gazing a shor...Read more
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04/08/2006 |
Keep the shares sell the endowment policy!
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As we thought Standard Life policyholders are voting with their feet, and offering their policies for sale at a volume we have never seen before. Fortunatley we have exit routes for a lot of these policies, so please keep them coming!...Read more
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16/07/2006 |
Closed Funds Review
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With more "with profit" funds closing for new business, it is now estmated they account for 15% of the total endowment market, so it is obviously becoming an important niche sector, and whilst Resolution Life maintain a fairly high profile on a day to day basis, not much is heard about Life Company ...Read more
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05/07/2006 |
Sell or surrender your Endowment policy?
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Anyone thinking of surrendering a "with profit" policy should always look at the alternative, of selling into the traded endowment market, with the strong possibilty of realising extra value.
Because of the state of the market good offers are being found for policies maturing 14-16 years hence, s...Read more
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03/07/2006 |
Closed funds update
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Royal and Sun Alliance policies are now being activley bought in the second hand market, so it would appear new owners Resolution Life are perceived to be releasing added value to these contracts, which can only be good news all round.
There has also been a subtle change in the running of these ...Read more
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01/07/2006 |
Orphan funds!
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Aviva have suggested they are thinking of releasing orphan assets, which presumably will include all the life funds within the Group, including General Accident, Provident Life, and the main one being Norwich Union.
We understand from press comment something like £3 billion is available for dist...Read more
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24/06/2006 |
"With profit" policy returns versus shares
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The shares in Lloyds TSB the owners of Scottish Widows are currently yielding a gross 6.5% whereas an average return on a Scottish Widows "with profit" policy is in the 2% to 3% bracket.
Something similar can be found at Friends Provident where the shares are yielding currently 4.5%, so we shall ...Read more
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23/06/2006 |
Standard Life whereto now?
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Following an overwhelming majority vote in favour of demutualisation it is almost certain Standard Life are set to join the FTSE100 in the very near future.
If experience of other companies is to be heeded then hanging on to "with profit" contracts may not be the best thing to do, unless of course...Read more
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02/06/2006 |
Current flavour of the month
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We are currently very keen to buy policies maturing in the years 2018,2019,2020 and 2021, and accordingly we are able to make firm offers with attractive prices
In particular we would prefer Co-op, Prudential, Norwich Union, Royal London and Britannic policies, but we are more than happy to look ...Read more
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27/04/2006 |
Standard Life flotation
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From what we have seen the share allocation appears to be fair and reasonable, with a few anomalies obviously appearing in such a large handout, and therefore it is assumed the recomended flotation will happen, and Standard Life will become a PLC.
We are now being asked what shall we do with our sh...Read more
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25/04/2006 |
Attention all Standard Life Endowment Policyholders
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Any Standard Life policyholder thinking of surrendering or selling their policy should now wait until just after Easter when they should receive a demutualisation voting pack, which will also outline how the Company is doing, and how much they can expect to receive.
The moment of truth is upon us...Read more
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10/04/2006 |
A plethora of news in the weekend papers
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It has been rumoured for some time the "Pru" was in play for a takeover, and it has finally happened with Aviva throwing their hat into the ring, and it would appear this may stimulate AXA and AIG to follow suit.
However, our primary concern being a TEP site, is solely, who will look after the endo...Read more
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20/03/2006 |
Standard Life Endowment Policyholders
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Ahead of the demutualisation programme destined for the middle of this year, we would suggest policyholders should visit www.raise-the-standard.co.uk for an in depth insight into what's going on behind the scenes, and if in agreement with the action being taken lend their support....Read more
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03/03/2006 |
Equitable Life case referred to Brussels
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Now this long running saga has been referred to Brussels are we likely to get a result for the much beleagured "with profit" endowment and pension scheme holders?
We wonder with the benefit of hindsight whether the European judiciary will come to the conclusion that seven years ago it would have ...Read more
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20/02/2006 |
Endowment bonuses improve
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At last we are seeing endowment policy bonus increases albeit modestly, but an increase nevertheless. Long may it continue!
Without revisiting the old dogma associated with the "with profit" ethos it now looks as if the major players in the shape of the Norwich Union, Prudential, et al, who are c...Read more
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24/01/2006 |
Standard Life again!
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First of all a warning to those qualifying policyholders/members if you have not registered your interest with Standard Life you may lose out on demutualisation benefits, so whilst the payout may not be huge, you might as well have what's going!!
It seems a special General Meeting is to be called f...Read more
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16/01/2006 |
We wish our users a Merry Xmas and prosperous New Year
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Between Xmas and the New Year we will be processing new enquiries for people wishing to sell endowment policies, but offers and rejections will not be notified until the 4th January, when we expect all the world to be back at work, albeit somewhat jaded!...Read more
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23/12/2005 |
Vulture fund - performance?
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Sun Alliance part of the new Resolution Group have recently declared their forthcoming bonus structure for 2004, and disappointingly show a small reduction overall, in contrast to the remainder of the market which is reflecting small increases, as to be expected in the current bull market.
We hope ...Read more
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14/12/2005 |
Three cheers for the Pru!
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To paraphrase Kipling, with all about them cutting bonus rates the Prudential have bucked the trend, and announced new bonus rates for 2006.
The benchmark 25 year endowment policy shows an increased payout of nearly 2% which in this low interest rate climate is excellent news, and we hope heralds...Read more
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15/11/2005 |
Teps for Sipps
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Cutting through the jargon we have long thought traded endowments policies (Teps) were perfect for inclusion within a Self Invested Personal Pension (Sipps) wrapper.
The endowment fund market is strenghtening and one thing is for sure if on say a Pru or Norwich Union policy or any of the other ma...Read more
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15/11/2005 |
Three cheers for the Pru!
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To paraphrase Kipling, with all about them cutting bonus rates the Prudential have bucked the trend, and announced new bonus rates for 2006.
The benchmark 25 year endowment policy shows an increased payout of nearly 2% which in this low interest rate climate is excellent news, and we hope heralds...Read more
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15/11/2005 |
Bonus rates -which way now?
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Up until now we had been optimistic that endowment policy bonus rates had levelled out, and with the worldwide economic boom powered by China, there would be no call to further adjust rates downwards.
However, this is still happening, and last week the Co-op reduced their bonus rates which we fou...Read more
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28/10/2005 |
Should you sell your Standard Life endowment policy ahead of de-mutualisation?
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Latest thinking seems to suggest you would be no worse off selling now rather than hanging on for the so called demutualisation benefits, which are likely to be pretty meagre by the time they arrive.
Put very simply, in order to fund the float, "with profit" policyholders will be subsidising the ...Read more
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29/08/2005 |
More bonus cuts
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Why is it with the FTSE at a three year high, Standard Life, Clerical Medical and Friends Provident, see fit to cut bonuses?
Against that background we have the Norwich Union group and the Prudential gently increasing their bonus rates, and we are beginning to wonder who is getting it right!
W...Read more
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09/08/2005 |
Review of Zombie funds asset spread versus active funds
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As part of our ongoing committment to studying the performance of the various new zombie funds(closed funds)we portray below a breakdown of approximate asset distribution over the respective classes.
Open funds:
Property 10%
Equities 60%
Fi...Read more
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29/07/2005 |
Good news at last from Norwich Union
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29/06/2005 |
Zombie Funds
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As promised earlier this year we have been following with interest the performance and manouevering of these funds.
So far we remain optimistic they will produce better returns in the long run rather than remaining with their original owners, as they will have economy of size on their side and su...Read more
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14/06/2005 |
Endowment Policies wanted
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Owing to persistent demand from overseas, we are very keen to purchase suitable endowment policies from those persons looking to sell their endowment policies. Because of this demand we are able to offer above average prices for the right policy, which ideally will be within the maturity range 2010 ...Read more
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08/04/2005 |
Good news from the Prudential
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This heading was taken from their newspaper advertisment yesterday, and unfortunatley, just goes to show they have better script writers than chefs!!
By that we mean whilst the performance of their endowment "with profit" fund in 2004 has been excellent, but this has not fed through to the bench...Read more
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24/02/2005 |
Standard Life endowment bonus results
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We now have the results and and we have to admit we were far too optimistic in our speculative article at the end of January. To cut 7% off maturity values at this stage of the bull market is to say the least very disappointing, and with possibly more cuts forecast for the future, so perhaps second-...Read more
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07/02/2005 |
Raising the standard at Standard Life
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Ahead of tomorrow's bonus annoucement we are reserving judgement on Michael Hogan's new initiative against Standard Life's current Board, just in case they produce bumper results. Secretly we do not expect that to happen and that opens up the way to raise a lot of interesting questions.
In parti...Read more
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31/01/2005 |
Features to watch in 2005
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We think the mighty Pru may have created a first with the establishment of a "with profits" committee (WPC) to act as a bridge between policyholders and shareholders, a move apparantley recomended by the regulators. Nevertheless a welcome move and to be commended, and we feel certain we shall be tes...Read more
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13/01/2005 |
Bounus announcments
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So far this year we have details from half a dozen "with profit" companies. Our interpretation of the declarations after applied to real policies taken out before 1994 reflects a very slight reduction of maturity values on flagship 25 year term policies, with no change apparent on longer term polici...Read more
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13/01/2005 |
Endowment mis-selling & Compensation
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If, for whatever reason, we are unable to make an offer to purchase your endowment policy, would you like us to refer your case to endowment mis-selling specialists for a non obligatory opinion of your policy(ies). It should be understood the information you have provided to us will be passed to "E...Read more
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10/11/2004 |
Teps or shares?
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One of our friendly competitors is offering a Friends Provident policy for sale showing a 5% return, whereas currently if you bought Friends Provident shares directly you could obtain a yield of 5.4%. Are we missing something here?...Read more
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15/10/2004 |
Closed Funds
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T.Hazell writing in the Daily Mail does a good job of highlighting the plight of investors locked into closed "with profit" funds, and the perfomance thereof. Early days still for the latest crop of closed fund "managers" to be judged ,but we intend to keep monitoring this area and will bring you u...Read more
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01/10/2004 |
Further bonus cuts mid year
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Both Standard Life and Clerical Medical have found it necesary to inflict further bonus reductions on long suffering "with profit" policyholders. Obviously in the wallowing stock markets of the world gains and increases to underlying investment funds is difficult to achieve, but surely enough is eno...Read more
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11/08/2004 |
Top prices paid for ranking policies
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We have recenty paid 38% more than surrender value for a Co-operative policy maturing in 2009.
This not only clearly demonstrates our committment to a fast efficent service. but also putting us at the top of the scale for paying above average prices. Why not try us and find out what we can offer....Read more
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07/07/2004 |
Aviva/Norwich Union - Bonus news
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Good news. A recent press release from this group confirms the various "with profit " funds within their stable do not need to vary their bonus rates at this time. and will again review the position at the end of 2004. The suggestion also, is, providing the world's stock markets do not decline any...Read more
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30/06/2004 |
Prudential still one of our favourites
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We are pleased to learn of the Prudential's ongoing commitment to their "with profit" fund policyholders.
Their annual bonuses whilst not over generous, may in this financial climate be considered prudent, and we hope when the tide turns they will know when to switch out of fixed interest bonds and...Read more
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11/06/2004 |
Impaired Lives
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Recently we have been approached many times by professional advisers for help in liquidating funds tied up in endowment or whole life policies for individuals diagnosed as being terminally ill. The first port of call should be back to the holding Insurance Company because when you think about it, t...Read more
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25/05/2004 |
Further bonus cuts
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We find it disappointing that market leaders such as the Co-op Assurance and Liverpool Victoria, still find it necessary to further trim bonuses whilst the FTSE is hovering around the 4500 level. There is some suggestion, however, that the stock market recovery is petering out and could fade away to...Read more
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20/04/2004 |
Strong buying demand for selected policies
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We are experiencing unprecedented demand for "good value" policies which usually means contracts taken out with leading players in the 1970's and mid 80's and in particular whole of life policies effected for death duties or partnership protection.
The message is clear there has never been a bet...Read more
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20/04/2004 |
Standard Life de-mutualisation titbits
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The latest horror story to emerge, is the disclosuer by the Company that existing annuitants, who have been members of Standard Life pension schemes for many years will not particpate in any windfall payout.
Is this fair? There will no doubt be many other stories like this and we welcome your inp...Read more
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11/04/2004 |
Co-op bonus cuts
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10/04/2004 |
Endowment shortfall and mis-selling
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Professional advisers will need to avail themselves of realistic maturity values based on current bonus levels rather than FSA 4%, 6%, and 8% projections, and are therefore invited to log on with policy details to obtain our opinion on any one policy.
...Read more
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25/03/2004 |
Selling - Endowments
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If any of your clients are thinking of cashing in endowment policies, now is the time to take action, as good prices are being achieved sometimes realising as much as 35% more than surrender value.
Our easy to use online endowment selling form is accessed from the left hand column under "sell an e...Read more
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01/03/2004 |
"With profit" funds mismanagement
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We liked a recent internet newsgroup article on the endowment scandal.
Instead of picking on individual so called greedy salesmen to blame for the mis-selling scandal the article fundamentally looks at the endowment funds themselves, and poses the question why did the so called long term experts...Read more
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18/02/2004 |
Build your own pension
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For those of you who are fed up with seeing the value of your pension scheme fall in value, then consider running your own, within the umbrella mechanism of a SIPP ( self invested personal pension). Traded endowments lend themselves for the inclusion of a SIPP and for a better insight visit our port...Read more
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17/02/2004 |
Standard Life - Where to now?
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James Moore in the Daily Telegraph last week reported at length that following a review of the Mutual by rating agency Fitch that in order to raise further workng capital Standard Life would almost certainly at some time in the near future think of de-mutualising. What a shame, Standard Life have ...Read more
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17/02/2004 |
Need more information about your policy?
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Sometimes when selling a policy you do not have all the information required to hand, and as most Insurance Companies through their websites have online help desks, they are usually able to provide simple details such as current surrender values, and up to date bonus particulars.
To acces the web...Read more
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17/02/2004 |
