Hi Clubman
yes I have to send in detailed medical info and he has to verify and write extra feedback on my situation, as far as I know.
Yes I do know about the fact that it can be waived but I actually DO want to get it, but obviously this is dependent on just how much it's loaded. I just wondered about the wisdom of the product or is there another way to approach the situation? Hence the question about how to find good independent financial advice.
Thanks
Guzzy