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Insurance
Insurance is about LOSS
Prove the loss.
Endowment Shortfalls?
 | Loss can only be proved on maturity.
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| There is a POTENTIAL loss at maturity only.
| Without a lender statement saying there is a shortfall there is no loss.
| Insurers are having to use current surrender values in projection letters,
MVAs are NOT applied on maturity.
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| The Consumer's Association are encouraging people to claim compensation
for performance related issues.
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Pension Misselling?
| How many people wanted OUT of their pension schemes in the early 90s
because of all the problems at the time?
| How many of these people are ruing the day the Government forced
them back into an occupational scheme that is now being wound up?
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| Who will pay the compensation for this?
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