These aviva people are really big cheater.They are playing with people hard earned money.When I took policy I was told that only three premiums need to be paid but now I am getting demand for next premium, when I asked them about surrender of policy they are saying that I will loss 75% of my fund value.Aviva is charging maximum for fund allocation & administration.They are selling units every month to get fill their appetite in lieu of administration.Every one who has taken Aviva should regularly moniter the number of units & value of units.Value of unit is closly driven by equity market but number of unit is complely driven by these big cheaters who can reduce it any time.The process to get weblogin n password is very difficult but everyone should force them to provide it so that you can regularly moniter it.
AVIVA has already planned their retirment they will gallop so much fund in initial stages that they need not to worry after retirement.