Answering my own question

I found, on http://www.argudo.org/postgresql/soft-tuning-10.html  my
answer. (Excellent site btw)  What I need to do is prefix my SELECT
statements for this table with the statement :

SET enable_seqscan='false';

as in :

SET enable_seqscan='false';SELECT * FROM pol_xref_d WHERE policy_no=1200079
ORDER BY sequence;


This change makes the response sub-second , a great improvement over the
11+ seconds we're currently experiencing.

I'ld love any explanation of why the Query plan was going sequential versus
indexed.

Gerry