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<p>They are selling their products to you under false pretences. Thay have allot of stories when you want to claim but if they can sell you something, theres no problem. Don't try to change something on your policies, it takes forever (that is if it happen). You sign quotations and accept it as it is, but they want you to do it all over again if they did not process it in time. They are playing with your future as they are *********** to manage and place your funds in the correct markets. (You will pay the price when you think of retirement) They keep your funds in Non-Compliace funds and if you ask them to correct it, it does not happen. They certainly does'nt live up to their own VISION. Good luck to anyone who engage in them. Prepair yourself to wait for long periods for everything. (This is if it happen). Lets pray you dont need to claim anything. GOOD LUCK.</p>