I had an endowment with Aviva which has finished with a £20k shortfall. Not only do Aviva not care about the shocking performance of their company but they are refusing to pay out the policy & have effectively stolen the money. Despite 4 complaints, a catalogue of phone calls & emails I have made no progress in 10 weeks. This company are a bunch of fraudsters & has the most incompetent & thickest bunch of people working in their customer services. It's impossible to speak to anybody in authority as they are all at home & don't call back as promised. Aviva is full of fraudsters, liars & incompetence, avoid at all costs unless you want your life to be ruined.