They are the worst financial company I have ever had the misfortune to deal with. They took over Friends Life who were great, so I was stuck with them. All I wanted to do was close an account and have the funds sent to my bank and it took two months of me ringing and ringing them, making complaints while they sat on their hands and did nothing. After I got the money, they rang and apologised and promised they would raise a new complaint because they had ignored my original complaints. Although that was their idea, I have been waiting for an answer from them for four months, yet on their website they claim they will reply in four weeks or tell you why not. I sent a complaint to their Helpdesk which they acknowledged but when I asked for the department dealing with it, they refused to tell me and despite chasing, the department has not replied. My advice would be to steer well clear of them. Indifference is endemic. It would be too much of a coincidence to talk to over a dozen of their people, on different days and always get a lazy one.