On 14 October 2015, the Association of British Insurers (ABI) published a statement of good practice for insurance providers regarding cluster policies (i.e. investments split between life policies). The statement outlines (a) the way in which policyholders should be advised regarding withdrawal of sums from a cluster policy, and (b) certain intervention measures which should be taken in the context of surrenders, so as to avoid unintended tax consequences for the policyholder. The ABI also emphasises that staff (particularly those likely to receive withdrawal requests by telephone) should be suitably trained for this purpose.