Very polite on the telephone but hopeless admin & follow up behind the scenes. I had to track my policy through several insurance companies, then through depts and multiple menu options on the phone just to get through, and finally very polite persons, but who can't actually help you. My query was always a mystery to them (it was a first time query every time, can't find files, persons out of office, file was closed, busy on the phone, promised to call me back or write to me but didn't etc). My long standing pension benefit (of low value but still a pension) has still not been paid after many months. My pension was apparently bought and sold between different insurers over the years and yet no contact about this was ever made with me during that entire time. I believe this shows a very poor quality of service. read more