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    Tom - of course it gets invested, it would be stupid to keep it under the Chief Exec's pillow... But the important thing is that this should not make a difference as investment in volatile equities is limited and they must always ensure they have access to sufficient cash reserves.

    Further to the last comment, the same of course applies to life assurance premiums, but life cover rates are reducing to reflect mortality experience and longer lives. (No, do not mix that up with life cover that is investment linked, that's a poor way to insure your life and a poor way to invest... think endowment!)

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