Flexibond

• To take out an NFU Mutual Flexibond policy you must be aged over 18 and less than 85 years old.
• You can invest a lump sum, make regular contributions or a combination of the two.
• The current minimum lump sum investment is £1,000, and this is also the minimum additional investment you can make.
• Regular contributions can be made monthly, minimum £25 per month, or annually subject to a minimum of £300 per annum, paid by direct debit.
• If you’re age 80 to 84 (or for a Flexibond covering two lives, the younger person is between these ages) you must start your Flexibond with a lump sum of, currently, at least £20,000.  You can then pay additional lump sums of at least £1,000, or make regular payments as already explained.
• You can stop, restart, increase or decrease your regular payments at any time.

If you took out your policy prior to 31^st December 2012 there are some differences to your policy. Please refer to your policy documents and the Flexibond Key Features document for full details.

Our product information is based on NFU Mutual's understanding of current HMRC practice and legislation which is subject to change.

You will receive an annual statement which will show you the value of your investment and tell you about its performance.

You can also telephone our Customer Services Team free on 0800 622323 for an up-to-date valuation or an illustration of the potential benefits. The actual amount will, however, depend on the performance of your chosen fund(s) and any withdrawals made.

Yes. You can make one-off withdrawals by writing to us. You can also take regular withdrawals to supplement your income on a monthly, quarterly, half yearly or annual basis.

If you took out your policy before 31st December 2012, surrender penalties may be applied if you take withdrawals within three years of making an investment. Please refer to your policy documentation for further information.

The minimum amount you can withdraw is currently £100, and a minimum balance of £500 must remain in your policy.

A full list of our funds you are able to invest in is available under Our funds. You can switch your investment from one fund to another at any time, although in exceptional investment conditions NFU Mutual may delay switches.

At NFU Mutual we rate all our funds against a set of risk profiles to help a customer understand if a fund suits their needs. If you would like to know more about the risk profiles, go to Our risk ratings page.