I was disappointed to read that Virgin Money will not be shaking up the Banking industry to the extent I hoped. After reading the following article. http://www.moneymarketing.co.uk/pensions/friends-life-in-virgin-money-protection-tie-up-as-uk-profits-fall-6/1075808.article Virgin Money will be selling a limited range of products and not giving their banking customers the high level of advice that only independent financial advisors can give them. rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn