Saving for your pension only to find out they are *******!

A full 1 start as there are no zero. Be very careful when doing business with liberty life. They are HIGHLY *********. They make maximum use of regulations to keep clients hostage. Having invested money in my RA for years I found out that:

a) If I stop paying premiums they penalize me by *****ing a percentage of my fund value.

b) If I move the investment to another company they penalize me by *****ing a percentage of my investment value.

So basically they do not have to provide any service since they know you cannot take your business elsewhere without them capitalizing. And if you become unemployed and cannot afford to invest every month they make it worse by *****ing a chunk of what you have been saving for retirement.

Be warned, DO NOT DO BUSINESS WITH LIBERTY LIFE. There are many other service providers out there who will not apply penalties and hold you hostage.