I am amazed the FSA have not made it mandatory for protection insurance firms to send out annual reviews. I agree with the following article http://www.moneymarketing.co.uk/protection/abi-urged-to-support-cover-statements/1051131.article the Association of British Insurers should demand such a basic services for their members.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