I worked in local government for 18 years. I took out an AVC to top up my pension back in 1998. Came time tk claim it and they are saying it was life only cover. As a local government employee I receive 3 times my salary death in service and as a homeowner I had a mortgage with life cover, more than was needed to pay off my mortgage. I was missold a policy by them. The actual policy looked into by the Financial ombudsman even states it is down as Nottinghamshire County Council AVC fund....needless to say they are a bunch of scammed who will not pay out and unfortunately as I left local government and the policy lapsed over 6 years ago neither will the ombudsman.