Nice post, to say they're the "lowest quality" is a bit of a...

Nice post, to say they're the "lowest quality" is a bit of a stretch. The seeds of this RC started with the corrupt "Let's Insure" products, RC review each company individually, and it may well turn out Freedom is the worst of the bunch. Since Freedom's PV calculation has already factored policy lapse, then surely it will accelerate, at current prices its trading on the assumption 50% has already lapsed and everything else is worthless. Steve from Forager claimed Freedom is backed by good assets, so they may not be that terrible. Let's see what happens next week.