I cannot see how this company is still allowed to trade in the UK!! Have been paying them since the early 1980s, decided to take out my annuity etc in May, and still have not received anything!! They have been doing everything possible to delay and stall the process: ‘misplaced’ documents (which, as soon as I threaten to take them to the Ombudsman, as I always keep proof of posting, they miraculously manage to find), ‘covid’ (always a good one), calls waiting for over an hour to be answered, ‘secure’ emails ignored, formal complaints taking double the allowed time to be answered etc etc…it is obvious that they do not want to part with my money. The only time they respond accurately and quickly is on negative comments in reviews. One would have thought that, if they had invested a bit of that time, money and effort in improving their service, all would be happier. A disgraceful company and an absolute con!!