The financial advisors that recommend this fund should have their licenses revoked. They misrepresent not only what the fund is capable of doing, but also avoid the penalties.
Google it and you will read horror story after horror story of this scam and how Royal London perpetuates it. You have to read all the contract and get deep into the contract language before you see the distortions and half truths that are promulgated by the financial advisors who recommend this scam.
In short, there is a reason they are an off-shore company. Otherwise they would be prosecuted for their malfeasance.