1.   Charges related to U.S. litigation, a factory closure and redress for selling inappropriate pensions in the U.K. also undermined profits.

2.   In the U.K., pension sales are increasing as the economy improves and the effects of a scandal involving companies selling inappropriate pensions begins to fade.

3.   Life insurance companies have been strongly criticized for selling inappropriate pension products and poor advice to investors.

4.   Life insurance companies have been plagued by strong criticism following the sale of inappropriate pension products and for giving poor advice to investors.

5.   Life insurance companies have been plagued by strong criticism following the selling of inappropriate pension products and giving poor advice to investors.

6.   Life insurance companies have been strongly criticized over the selling of inappropriate pension products and poor advice to investors.