[WillowTheWhisp]

I was also very much aware of people being persuaded to cash in their monthly unit trust linked life insurance cover savings plan thingies (I forget what we called them at the time) and reinvest the "lump sum" and then take out a new monthly plan. This made it look like we had sold 2 new products when in fact what we had done was much worse for the customer because the plans were loaded with charges at the beginning so they had a whole new bunch of charges to pay - but also because they were now older by 5 or 10 years the amount of life cover they got for their same monthly installment was considerably less - and yet some members of staff convinced people that this was beneficial to them.