There are a few people meeting up this evening to chat about this and find out about any possiblities in unlocking them. Probably in Silom. PM me if you are interested to come along and I will keep you posted.

Sounds like an offshore IFA advertising to me. Well yes, you can switch to a draw down policy but to do that you will need a new policy and of course it will take you six or eight years to get back to par after paying for the agents commissions, and that's in a good market! more cannon fodder to the breach