Other life offices which offered MVR-free exits from their with-profits policies, typically at their 10-year anniversary, are also reviewing their policies on reminding policyholders of this right. Scottish Equitable and Norwich Union are looking into writing to clients but neither has significant anniversary dates on the horizon for at least 18 months. Closed life funds consolidator Resolution Life was the first to introduce this practice last November for policyholders in the Royal & Sun Alliance with-profits funds it acquired last July. Life offices have previously been criticised for not reminding policyholders of this guarantee, which is often hidden in the small print. Several life offices, including Prudential, Standard Life and Legal & General, have no MVR-free guarantee dates. Widows policyholders will not need to encash their pol-icy to get the guarantee as the equivalent value of it will be added in the form of extra units regardless. Clerical Medical policyholders are likely to be offered free switches into its unit trusts and investors will have just one day to take advantage of the offer.