The following prediction in this article is very worrying. http://www.moneymarketing.co.uk/channels/corporate-adviser/pressure-on-100pc-guarantees/1050649.article I hope the Government will not bail out annuity and insurance companies like they have had a to bail out the banks!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