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@thex You could enquire about buying extra years service with you pot....effectively you cannot set up a new contract on better terms as you no longer work for the HSE, if you were it would be straight forward. The reason for this is the policy is linked to the overall scheme as an AVC PRSA...

@vescd No early encashment charges on a PRSA as a rule of the structure itself

@yeesern The agent will do this for 0 as they will expect the ARF to be placed with them and they will receive commission on that product, if they were paid commission for a product and it was subsequently drawn down straight away nothing would be paid....she can also take 25% from the PRSA and...

@jpete Sounds like the client is investing a lump sum and the agent is taking 5% from the contribution resulting in 95% of the contribution being invested with no additional commission being paid on top of this....bad deal, should be 100% and discuss remuneration options from the subsequent...