The Bill provides that if a policyholder wishes to reclaim the proceeds of a policy, he or she can do so from the fund. How long will the proceeds of unclaimed policies be held in the fund? If all proceeds of the unclaimed policies are spent, will the taxpayer have to pick up the tab if a person claims in three or four years that his grandfather, grandmother or somebody belonging to him had a policy, the details of which he can present. Who will pay the proceeds of that policy if the money in the fund has been spent?