We have been providing financial services to customers for over 90 years and our product portfolio has developed over that time. That means we have products which are not featured in detail on our website. These include the following:
Personal Pension Plan: lets you build up a pension pot by investing in our Unit Linked funds and / or With-Profits fund.
Personal Pension Account: lets you build up a pension pot by investing in our With-Profits fund and/or Unit-Linked funds, with the option that you can still make top ups.
Stakeholder Pension Plan: lets you build a pension pot by investing in our Unit-Linked funds to provide retirement income, with the option that you can still make top ups.
With-Profits Personal Pension Plan: lets you build up a pension pot by investing in our With-Profits fund.
Retirement Annuity Plan: lets you build up a pension pot by investing in our With-Profits fund plus some plans have valuable guarantees.
Group Stakeholder Pension Plan/Group Personal Pension Plan: both of these are employer-run plans where you build a pension pot with payments from both yourself and your employer.
Executive Pensions: an employer-run plan for senior employees.
AVCs/FSAVCs: used by people who wanted to make additional voluntary contributions in excess of those allowed by their company pension scheme.
Trustee Investment Plan: pension scheme trustees invest pension scheme funds for the benefit of the scheme members.
*Some of these existing pensions plans may not accept top up investments, please contact us for further details about your plan.
Capital Investment Bond: makes your lump sum work for you by investing in our Unit-Linked and/or With-Profits funds.
Classic Bond/Vintage Bond: these are investments with guaranteed minimum values set on each 5th anniversary from issue date.
Capital Access Bond: for lump sums while you decide on your longer term investment plans.
Endowments: these build a pot of money with your regular investment and we pay a guaranteed minimum amount on death during the plan period or at plan maturity.
**Please note that none of these existing plans accept top up investments.
Level Term Assurance: a life insurance policy that pays out a fixed amount if the life assured dies during the term of the policy.
Mortgage Term Assurance: a life insurance policy with a decreasing ‘sum assured’ that pays out if the life assured dies during the term of the policy.
Critical Illness: an insurance policy that pays out a lump sum if you are diagnosed with a critical illness during the term of the policy that meets our policy definition.
Special Temporary Assurance: a life assurance policy that pays a fixed lump sum if the life assured dies during the term of the policy and the premiums are eligible for tax relief.
Whole of Life: a policy that pays out a lump sum when the life assured dies - the lump sum is made up of a guaranteed level of cover plus bonuses that may be added periodically.
Convertible Term Assurance: a life insurance policy that has an option, at any time during the term of the policy, for you to take out a Whole of Life policy without further medical underwriting.
Don’t see your product here?
This is a summary list - if you are an existing customer and want to find out more about a product you already hold with us, please get in touch with our Customer Enquiry Team by calling 0800 622 323 (option 3), completing a web form or at email@example.com. It would be helpful if you could have your policy number available when you contact us.