Capital access bond

If you have a capital access bond (CAB), you should read the document below:

Download the guide to the capital access bond (PDF approx. 101 KB)

With-profits annuity

If you have a with-profit annuity contract, you should read the document below:

Download the guide to the with-profits annuity (PDF approx. 103 KB)

Unitised with-profits

If you have a unitised with-profits contract, you should read the document below. We call a with-profits policy unitised when your investment buys units in the with-profits fund. NFU Mutual’s unitised with-profits policies include:

• Pension policies taken out after 30th June 1988
• Capital investment bonds (CIB)
• Flexibonds
• Shrewd savings plan ISAs
• NFU Mutual vintage bonds

Download the quick guide to unitised with-profits (PDF approx. 167 KB)

Conventional with-profits

If you have a conventional with-profits contract, you should read the document below. We call a with-profits policy conventional when we guarantee to pay out an agreed amount when the policy matures. This could be a lump sum (the sum assured) or a series of payments (an annuity or pension). NFU Mutual conventional with-profits policies include:

• Endowments (a regular savings contact that promises to pay a minimum amount at the maturity date), including minimum cost endowments
• Whole of life policies (a regular premium policy that promises to pay out a minimum amount on death), including low cost whole of life policies
• Any other with-profits policy taken out before 1st July 1988

Download the quick guide to conventional with-profits (PDF approx. 125 KB)


If you need to check which type of policy you have, please call us on 0800 622 323.

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