I was mis-sold a vision policy by a third party about 9 years ago. I wasn't told about the exit charges or the complicated fee structure. After complaining to Generali, they did try to help and offered something to offset my loses. I moved my funds to two funds that looked like they had performed well over the past 3 months, 6 months and 1 year, all showing positive returns of 3 - 6%. Low and behold, as soon as I'm on board, these two funds have started to sink, already losing £3k in 4 months. And there are not really any better options to choose from. All the available funds in the Vision policy are performing poorly. So, Generali have a terrible product, which is expensive to get out of and is easily mis sold by unscrupulous financial advisers (such as *Mr Andrew Sapsed* who is now a director at CN Goodall, Switzerland, and is the human equivalent of antibiotic resistant gonorrhea). I'm pulling out of the Generali scam at a considerable loss, but it's either lose £13k now, or £50k in 20 years time. ***** Keep clear of all Guernsey based financial services. *****