Nige, S1 , Ed thanks for your input

Its currently with Norwich Union which my last company i worked for transferred from Standard life

I did all the paperwork last month regarding Standard Life which still entitles me to have the share options when they demutualise, which according to my ipout is fairly substantial, ie a few grand.

i guess i wil have to wait until maybe august when a decisiono smade to demtualise standard life or not before doing anything