Included in roughly half of all pension, investment, life insurance and healthcare policies is a charge. It can only be claimed by an adviser to offset the cost of helping you on your policy.

If you have any of these policies, chances are you're being charged right now. Here's the problem.

Sadly, you can't stop these charges. They form part of your policy and they'll continue until your policy ends. That could be many years and during that time, you could end up paying out a small fortune. It's no problem if you're receiving valuable assistance, but if you're not getting help for the money you're paying, that's really bad news.

We were so incensed by this injustice, we've done something about it.

The Money Back Plan™ gets your money back and returns it to its rightful owner.

YOU!

What's reassuring is the Money Back Plan™ is completely free to use.

What's staggering is most of the money is being kept by the policy providers. If you don't have an adviser, your provider keeps your money. It doesn't even have the common decency to give it back to you, knowing you're paying for nothing.

As for the rest of the money, financial advisers are pocketing it.

If your policy was arranged by an adviser, incredibly they could still be claiming the charges you're paying, even if you haven't seen them for years.

That feels totally wrong. Surely it can't happen? Don't you believe it! Take a look at this...

If you feel aggrieved you're being charged for something and getting nothing in return, do something about it NOW.

If you don't ever recall seeing anyone, or if you bought your policy at a distance, perhaps over the phone or on the internet, then it's pretty certain you don't have an adviser. Claim your money back.

If you had someone arrange your policy for you in the first place, but you haven't heard from them since then, it's fair to say they're not looking after you. Normally speaking, you should hear from them at least once a year. Claim your money back.

If you only hear from an adviser infrequently and you're OK with that, it's no problem. But if you're in any doubt they might be collecting your cash and you don't feel you're getting value for money, ask them if they're claiming adviser charges. Sometimes it's referred to as 'trail commission' or 'renewal commission'. What you might find is they're not actually licenced to receive this money, so it remains with your provider. And if this is the case, we'll help you claim your money back.

The list is huge.

Pensions
These include Personal Pensions, Stakeholder Pensions, Executive Pensions, Free Standing AVCs, Retirement Annuities, Section 32 Bonds, SIPPs, SSASs and Unsecured Pensions. Don't forget the millions of individual pension policies taken out by people contracting out of the State Pension Scheme (commonly called SERPS).

Investments
These include Investment Bonds, Investment Trusts, Stocks and Shares ISAs, OIECs and Unit Trusts.

Life Insurance
These include Critical Illness, Endowment Plans, Family Income Plans, Key Person Protection, Life Cover, Mortgage Protection, Permanent Health Insurance and Whole of Life cover.

Healthcare
These include Accident, Sickness, Private Medical Insurance, Mortgage Payment Protection, Redundancy and Unemployment.

If you have any of these policies and you're not receiving help with them, claim your money back.

A full list of policy types and providers that include these charges are shown on your money back claim form, which you can get at the bottom of this report.

They're calculated in one of two ways.

1. It could be based on the amount of money going into your policy. Typically, it's around 2.5% of the premium. So if you save £100 per month, an adviser can claim £30 per year.

2. It could be based on the value of your fund. The adviser charge can be worth up to 0.5% of the fund value, depending on what funds your money is invested in. The riskier the funds, the higher the charges. If your fund value is worth £20,000, it could be worth up to £100 per year to the adviser and the amount will rise and fall in line with your fund value.

What's more, if you regularly top-up your policy, perhaps with lump sums or an increase to the amount you save each month, further adviser charges can be available. This is typical for savings, investments and pensions, and most index-linked life cover. It also applies to healthcare plans that 'renew' each year.

And the good news is that it applies to pretty much every individual pension.

When you retire, you exchange the pension fund you've been building during your working life for your income in retirement. It's called an annuity. An adviser can claim roughly 1% of the annuity purchased. If your pension fund is worth £100,000 when you retire, the adviser could be paid £1,000.

Here's the point. Many people buy their annuity without advice. And in the process, the provider will keep the cash or pay it to an adviser for doing absolutely nothing.

Either way, it's wrong! You've effectively paid that charge and you can get it back using the Money Back Plan™.

Considering it could be worth hundreds or thousands of pounds to you over the years, it could literally be the most valuable 10 minutes you ever spend.

Making your claim couldn't be easier. You only have to complete one form.

You can have it emailed to you from the bottom of this page. Or if you prefer, give us a ring on 01403 274323 and we'll pop one in the post to you.

You supply your name, address and date of birth, which enables your provider to identify you. Then you sign the form. Your signature is the key that unlocks your money back. This is what you're signing ...

It appoints Cleversquirrel as your adviser. Cleversquirrel is authorised and regulated with the Financial Services Authority as an adviser. As such, it's permitted to claim the adviser charges within your policy and give them back to you.

Let's be clear. This doesn't change the terms of your policy in any way. The amount you save each year is unchanged. You don't pay any additional fees or charges. The features and benefits of your policy are completely unaffected. All that's different is Cleversquirrel is now your adviser and that allows us to claim those hidden charges and convert them into money back for you.

This isn't a once-and-for-all time change. At any point in the future, you can appoint another adviser. From then on, the adviser charges can be claimed by them to offset the cost of the service they'll provide you in the future. It goes without saying you won't receive any more cash from your Money Back Plan™, because we won't be permitted to claim the adviser charges any longer.

Here's a small selection of the many money back payments we've made recently.

£1,113 per year for Mr C from Prudential life cover
£148 per year for Mrs R from BUPA healthcare
£38 per year for Mr A from an Aviva ISA
£62 per year for Mr A from Clerical Medical endowments
£8 per year for Mrs A from Legal & General mortgage cover
£29 per year for Mr B from a Scottish Life pension
£48 per year for Mr B from a Fidelity unit trust
£26 per year for Mr S from a Cofunds ISA

We give you back a whopping 75% of the money we recover. We keep 25% to cover the costs of running our service, paying our staff, running the website, paying the banks to distribute the money and all the associated communications.

Quite frankly, the more money we can find you, the more we'll earn. And that's great news for both of us.

For your security and protection and to prevent identity theft, we don't ask you for any personal information through our website. What's more, the information you give us is only ever used to identify you with your provider.

For your reassurance, Cleversquirrel is registered with the Financial Services Authority, so it's safe. We're registered under Firms Reference Number 491347. Go to www.fsa.gov.uk and you'll find us listed in the Register.

Whilst it's clearly an attractive proposition to get money back on your policy, sometimes people change their minds. Occasionally mistakes happen. Perhaps you told us you didn't have an adviser for your policy and subsequently you remembered you really do have someone looking after you. Whatever your reason, we give you this 100% cast-iron guarantee.

If you want to reverse your decision at any time and revert to your previous situation, we'll help you with all the necessary paperwork.

What's more, in the 90 days following confirmation from us we've discovered money back for you, any money we've sent you is yours to keep. We'll even send you the 25% we've retained. We want you to be absolutely delighted with our service and if you're not, we don't think it's right we retain even a single penny of your money.

Getting money back on your policy, for absolutely nothing, is a great deal. But to really encourage you to do this now, we'll give you a bonus worth £9.99, but only if you request a claim form by 31 July 2010. After this date, this bonus will be withdrawn.

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If you have a mortgage, loan or credit card, you'll love this book. Revealing 12 secrets that banks, building societies and other lenders would rather you didn't know, it's helped many people become debt free quicker than they thought possible. Following the recent credit crunch, it's arguably even more valuable today. The PDF book retails at £9.99 and it's yours to keep, with our compliments, whether you ask us to check your policies or not.

1. You could lose your free bonus book.

2. You can't claim money back retrospectively. Once this month passes, any money you've wasted on adviser charges within your policies is gone for good.

So don't delay. Pop your details into the fields below and your money back claim form will be emailed straight to you together with your bonus. If you prefer, call 01403 274323 and we'll pop a claim form in the post to you.

PS: Here's the deal ...

1. Complete the above fields and to get your claim form and book bonus worth £9.99, but only if you do it before 31 July 2010.

2. Fill in the claim form, and sign once and get it back to us so we can check your policies for money back.

3. If we discover adviser charges, you'll receive 75% of the money we unearth for the remaining term of your policies, which could add up to a sizeable sum over the years.