Yeh! My policies are just about to mature and I've only just found out I can't have the money.
Put your money anywhere but in a 'pension scheme'. What you need when you retire is a pot of gold that you have full control over and can invest where you like.
I was 20 yrs old when I took out my pension schemes. If I'd have known then that I wouldn't be able to get at my money, I sure wouldn't have done it. What I have done is give a load of my money to the Pru. They won't give it back.
To my mind that's fraud.
These 'pension providers' have shown themselves to be completely incompetent when it comes to handling other peoples money. I have managed my savings much better than they have managed my so called pension.
Steer well clear. Buy a house, or a field, or some woods, or just put it in a bank, or under your mattress. 'They' will say you could do better. Perhaps so, but at the end of the day you will have capital you have control of. Believe me, that's what you will want when you retire.