I am specialist in money back plans.I am providing Life Cover Benefit to my clients with Level Premium to Age 100. The most important feature of the product is that if the insured survives at age 100 then all the premiums paid are refundable to the insured. (Subject to terms and conditions of the policy document). I am Authorised Financial Adviser authorised to sell Category 1 and Category 2 products. I advice my clients a combination of Category 1 (Retirement Plan) and Category 2 (Risk Products) products where the money is saved in Category 1 products and at retirement they may receive back the total amount almost equal to the premiums paid for Category 1 & Category 2 products, till their retirement age.