Can I transfer the scheme I have with you?

Yes, Velliv has not introduced a charge on policy transfers and surrenders. You are free to transfer your scheme to another company if you want. 

It is not a good idea to transfer your pension funds to a company which has introduced a charge on policy transfers and surrenders. You might not be able to get the funds back without having to pay the charge on policy transfers and surrenders. A charge on policy transfers and surrenders indicates that the company lacks bonus reserves in order to meet its obligations towards the customers. The reserves must be rebuilt before the company can offer a higher interest on policyholders' savings to the customers. Therefore, it makes good sense to leave the money with us.