I see that radio 4's moneybox is recommending acceptance of their offer
despite it not being 90/10, on the basis that the inherited estate isnt the
present policyholders'....if thats the case then they should have paid
previous bondholders more in the past and should trace them all and pay it
all back on the basis of 90/10!
....and while we are on the subject... at one stage they are were offering a
lot more on the basis that it was surplus for the income "smoothing
process", then down came the stock market and they suddenly decided that
they did need more of it after all!!...what hypocrisy.

Never again am I going to believe a financial adviser who offers a product
where the income is totally dependent on the companies discretion....and as
for Aviva!!**#^!