Phoned about my pension they bought from freinds life said now its an annuity .very rude on phone .am over 60yrs old .info on website said if value 10.000 or under n over 55yrs old could cash in aviva on list of companys refuseing to allow this .asked wot happens to my annities when i pass .they replied it ends wit my death .so they get to keep all monies instead of going to my nominated family wot a rip off .would not recommend this dam right rip off company to my worst enemy .a callous n nasty company