cashier, thanks for answering. As it happens, the policy was only for thirty-eight euro per month, and unfortunately, it's maturing at the trough of the biggest recession in 100 years. I received a bonus for every year up to last year when they said there was nothing in the kitty, and I'll only find out in February if there's going to be a bonus for this year or a terminal bonus, which traditionally is where the big profit comes on these policies. If I don't get either, then the profit will be the 4000 euro I mentioned in my initial post. At least I won't have to pay tax on that if you are correct.