You think it wasn't an employee of the insurance company who advised you but an independent financial adviser.

BBC: Ask the expert: Endowments

In any of the situations given here, if you feel you need advice you should consult an independent financial adviser.

BBC: Pension planning: When to take a cash lump sum

"It could really blow up" if there is another crash or sharp correction, says George Middleton, an independent financial adviser in Vancouver, Wash.

WSJ: Putting Stocks in Hock: Securities Back More Big Loans

If the advice you were given in 1983 does turn out to be from an independent financial adviser completely separate from the insurance firm, you may find the adviser now no longer exists.

BBC: Ask the expert: Endowments

"The danger here is that quality financial advice becomes something only for the wealthy, when in reality, most people need it to some degree - as poor rates of saving across the population only go to show, " said Keith Tadhunter, an independent financial adviser at Future Financial in Bath.

BBC: Commission sales are abolished on financial policies

Which option is better for you will depend on the amount of money in your fund and the amount of investment risk that you feel comfortable with and if you and your wife each have a number of pensions then it might make sense to take advice from an Independent Financial Adviser with experience in the pension market.

BBC: Fergus Muirhead

For example : In the Lion City, the appointment of independent financial advisers in merger deals is not compulsory, though in most proposed combinations an adviser is appointed for each of the parties.

CNN: Business: Failed Merger