1  Which?  

2  Policyholder Advocate for Norwich Union  

3  Financial Services Authority  

4  Norwich Union  

5  Prudential Plc  

6  Aviva/Norwich Union With-Profits Policyholder's Action Group  

7  Office of Fair Trading  

8  Co-operative Financial Services Ltd  

9  Association of Friendly Societies  

10  Investment and Life Assurance Group  

11  Wesleyan Assurance Society  

12  Royal British Legion  

13  Royal London Group  

14  UK Actuarial Profession  

15  Steve Dixon Associates  

16  Association of Mutual Insurers (AMI)  

17  Prudential Nominated With-Profits Policyholder Advocate  

18  Association of British Insurers  

19  Financial Services Consumer Panel  

20  Association of Consulting Actuaries  

21  Sir Nicholas Montagu KCB  

22  Centre for Risk and Insurance Studies, Nottingham University Business School