I have just received a pay out for a Pearl policy I took out 10 years ago. This was to help my daugther with her morgage. I was dismayed to find I too was out of pocket by about £300. I feel that I was conned all those years ago by the Pearl representative who was very eager I should purchase that policy. The fact that they have put a disclamer on their documentation should not deter anyone from writing to Pearl. They will certainly receive a letter from me. I wished I had looked after the money myself, the money I HONESTLY earned and expected to have had a FAIR return or at least the money returned I had paid in. However lesson learned 'dont buy from Pearl go where your custom is valued'.