Mr. Joe Morley:

The statement provides information. The consumer should interact with the adviser who sold the product to provide ongoing advice. The adviser will be able to help out on that point. The statement will provide the charges. Initially, the person should have been given a list of charges in the policy although there is a gamut of charges. This goes some of the way to assist people to compare charges with what they were sold originally. This point is in the new consumer protection code.