I bought an endowment policy with them and dutifully paid my premiums for 25 years at the end of which they told me that their invements hadn’t performed as well as they had hoped and so they could only pay out 60% of what they had originally promised. I find it extraordinary that they can get away with such behaviour. We entered into a contract: I pay a fixed amoun set by them and at the end they pay out a fixed amount to me. Not: I pay a fixed amount set by you and at the end you pay me whatever you like! Quite extraordinary. I will never do business with dishonest, unprofessional L&G again.