If he was an employee of the insurer, it probably wouldn't contact him
(though you can't guarantee that).

yes he was an employee (in1984) ...
Given his health ... I would not want the risk of them contacting him - so I
better leave it for the moment ...
(thinking coldly ... is there a time limit to complain ... if he were to
pass away in the next year or so could I defer action until then?
Can I complain even after the endowment matures ... (due later this year?)

thanks
A