Odd to see this because I am suffering similar problems with a maturing Endowment policy which they are finding every excuse under the sun to avoid paying out. My wife and I held it in joint names but split up 15 years ago, me inheriting this policy, her others. She cashed hers (with other companies) early with no problem but Aviva are refusing to pay into a single name account EVEN THOUGH all payments for the entire 25 years have come out of this account. Would only budge if my ex-wife authorised it. This she duly did by telephone and post, but they now want loads of documentation she just can't provide. Rude staff, no record updating, impasse! I share your pain