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duncan42
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Anybody give me some advice on Self Invested Pension Plans including pros and cons
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15 year endowment life insurance
duncan42 replied to duncan42's topic in Insurance/Assurance Companies (Not Car Insurance)
Thanks Mossy I am a bit soft on these issues and your advice has made me think a bit harder about my problem -
15 year endowment life insurance
duncan42 replied to duncan42's topic in Insurance/Assurance Companies (Not Car Insurance)
To update I am now being asked to fill in a form explaining why I feel agrieved over the projected short fall. Has anybody been through the same process.I feel the questions are loaded to catch me out. -
15 year endowment life insurance
duncan42 replied to duncan42's topic in Insurance/Assurance Companies (Not Car Insurance)
Westmidsman Thanks for you reply. When did your policy mature? Was it this year or a while ago. My worry is that I have contacted Royal London and they are telling me the options and I feel that I don't trust them as they are pushing me to the pay back of 18,000 and interest plus compensation option. Even so its a lot short of the £54,000 I was told 15 years ago. I have no paper work to support this but the person who sold me this is a friend of mine who says that at the time this was the projection and Royal Londin have agreed that at the time it was a real projection so I don't know which way to go. -
15 year endowment life insurance
duncan42 replied to duncan42's topic in Insurance/Assurance Companies (Not Car Insurance)
Hi, it was nothing to do with a mortage it was just a savings thing so I'm at my wits end as I thought this was going to make my life a little bit easier in my later years. -
I have a 15 year life endowment insurance policy maturing next July. I will have put £18000 into it by the time it matures and I have asked for a projection of the maturity value. I have been quoted £20400 excluding a final bonus. When I took this policy out in 1995 I was estimated £54000 by my insurance agent. As you may well guess I am absolutly gutted to find this out. Royal London are now saying I can call in the Onbordsman or they will give me the option of paying back my £18000 with interest incured over the 15 years and compensation. Or the final option is to see it out till next July and hope my final bonus gives me a few thousand more. Don't know which way to turn. Has anybody else had such problems and made decisions regarding this?
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