Aviva insurance is a scam product which is sold by banks reps to gullible customers with wrong promises and you get nothing out of it a mere 10% on the best case scenario and a break even which happens sometimes as far as 10 years.
I exited from the product by losing 1, 22000, but still I think I got of easy and had not paid for 30 years. The company is a legal fraud with heavy charges, even though it offers you a good product now please don’t trust it as a company which has a habit of swindling money from customers will never be fair.
If you can get out even with a loss, get out and put money in five star rated mutual fund, you will recover the money and will even make a handsome return.
The company and its products are bad and will put in finer print for liabilities and will not be fair. Beware of its web of swindlers agents or bank reps.