This company is in a mess and best avoided at all costs. They have been unable to give me a value for a policy which is several years old, unable to provided statements ( ever) and I’m unable to make changes to nominations for the investment. After weeks of trying to have this resolved, numerous phone calls and time wasted the issue is now unecessarily the subject of a complaint. I say unecessarily, because if S.W. had acted promptly and in good faith then a complaint would never have been needed. Incidentally there have been hundreds of similar complaints this year and countless referrals to the Ombudsman.