RL360 is not a company to be trusted amd i sorry for every being persuaded to enter into a 20 year policy. They regularly divert the premium payment into their own account until you make a serious complaint. Each time they have offered a different excuse. What is more worrying is that there is nothing in the T&C of the policy that allows them to do so. When i have asked them to highlight which clause they are following they ignore my correspondence. If this is the sort of company you want to deal with you have been warned. Do not make the same mistake i have.