Thanks for the replies - much appreciated. The Company my wife works for has arranged an appointment between a broker and herself. I had an AVC with Eagle Star and their policy ensured I would not lose any money as my retirement approached, automically transferring into their SuperCapp Fund, which is mainly a deposit account. Thought this was the way with all AVC policies as retirement age approached, but apparently not. Is it somewhat irresponsible of Hibernian Aviva not to protect their customers as they approached retirement?
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