One problem is the policies are sold with two projected maturity rates. The last policy I did not buy had, IIRC, rates of 7% and 11%.
I asked for examples of 3% and 5% and was told they were only allowed to quote the rates approved by the FSA. The FSA fixed rates were supposed to stop the sale of magic potions or silver bullets but had the effect of stopping you getting the epsom salts plan.
Now any one want advice on how to get 8% returns with medium risk?
Become your own advisor and do you own reasearch.