Thanks. They used to, but I don't know if they still do.
It sounds like your complaint is with the broker that sold you this. If you have it writing from them that the charges would be 0.5% all-in, I would go back to them to point out that they're not
Surely it's Aviva's responsibility to provide transparent details on their charges, I've been unable to locate that information anywhere before receiving the policy schedule.
The broker provided details of the 0.5% AMC for execution only accounts.
Cantor also included details of this charges but clearly said that other charges from the product producer might apply.
I'm 100% certain that separate charges are being applied as Aviva and Friends First charges along with the Cantor charge.
I'm surprised that a pension provider lacks transparency on charges to this extent nowadays and will definitely seek clarification from the broker and Aviva.