Be very careful to question their pay-outs. They have a history of short changing customers and it has been written about in the newspapers. They are still doing it. They tried with me - telling me that my pension pay out was way less than it should have been. When I questioned why the life assurance pay out was less than the estimates both 12 months and 24 months prior they had no explanation other than "error". Then, by their own admitted errors, they delayed sending my money and as it was abroad the exchange rate went down and I got a lot less than I should have done. They admitted the error but won't rectify it. All of this was/is intentional. They try to keep your money in any way possible. IF YOU MADE THE MISTAKE BY HAVING YOUR LIFE ASSURANCE/PENSION/POLICIES WITH AVIVA, GET OUT QUICK BEFORE THEY STEAL YOUR RIGHTFUL MONEY FROM YOU. AVIVA SUCKS!