Aviva is my worst nightmare. I wouldn't recommend this company to my worst enemy. Customer Care is non existent. It seems they can only make payments, including pension payment into a British Bank account, therefore if you are living abroad and only have a foreign bank account relating to the country you are living in, then you could have a problem. Of course they will send you a cheque, but British cheques paid into a foreign bank account take forever to clear, and that's if your foreign bank will accept them in the first place. My ordeal has been ongoing for eighteen months now and all because I live abroad and have a foreign bank account. According to Aviva it seems I am the only expat who has a pension with Aviva who lives abroad. So if you want a peaceful retirement living abroad, and don't have a British Bank account, then my advice is not to deal with Aviva.