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  "It would ensure that investors, at least, have a choice," said A. Heath Abshure, president of the North American Securities Administrators Association, a Washington-based organization whose members are mostly U.S. state securities regulators. "They can still pick arbitration, mediation or court, but they will pick a forum where they stand a fair shot," Abshure said.
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  "Every year of delay means one year of lost income and if you are holding your pension fund in cash then you'll be losing money every year; you could end up having to live until your 90s to hit pay back. For this reason I think if you are planning to buy an annuity in the near future it may now make sense to get on with it."
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  Activist hold placards while asking for the release of Lynne Stewart, a 73-year-old former New York lawyer who was convicted in a terrorism case, outside of a U.S. District Court in Manhattan, New York on August 8, 2013.
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  Dean Mirfin of Key Retirement Solutions, the equity release adviser, said: "It won't be cost-effective for every customer to remortgage, but many can make large savings. We always look into whether a customer can save with a new policy when they want to move home, but we find very few people think of remortgaging – or even know that it’s possible."