I had an investment with CIS in their 'With Profits' Platinum Bond Plus investment which performed well in the initial years. The policy was taken out in November 2000 and over the years the bonuses payed to the investment began to decline with bonuses going very low in the later years (8 - 10 years the bond was held). CIS also took a heafty 5% initial charge when the investment was taken out, however their annual management charge was lower because of the initial charge. Idecided to cash in the bond in 2011 after 10 years of holding the investment with CIS but for many years frior a Market Value Reduction was applied to my policy if I cahsed in so I decided to wait until this was lifted before I cashed in and ran. Would not invest with CIS again as there are better performing funds out there!