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NFU Mutual Flexibond. Because good things take time

The NFU Mutual Flexibond is designed as a medium to long-term investment to be held for at least five years or more, and offers you a choice of how to invest.

Either invest a lump sum of at least £1,000, and add to it whenever you like, make regular contributions from £25 a month, or opt for a combination of the two. You can also start, stop or change your regular contributions whenever it suits you.

Full details of this policy can be found in the Flexibond Key Features document which should be read and understood before you decide to proceed with any purchase.

Our Financial Advisers* will listen to what investment goals you have and use their expertise to recommend what suits your needs. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.


You should be aware that the value of your investment may go down as well as up and you may not get back what you invested.

Tax treatment depends on individual circumstances and may change in the future.

Flexibond – The main points

  • 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.  If you're aged 80-84 (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.
  • Regular contributions can be made monthly (minimum £25 per month), or annually (minimum of £300 per annum) paid by direct debit.
  • You can stop, restart, increase or decrease your regular payments at any time.

If you took out your policy prior to 31st 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.

How do I find out how my Flexibond is doing?

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 on 0808 250 3659 for an up-to-date valuation. The actual amount will, however, depend on the performance of your chosen fund(s) and any withdrawals made.

Can I take money out of my bond?

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.

What funds can I invest in?

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.

For more information see the Flexibond Key Features Document which can be found here.

Which investment is right for me?

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.

Take the time
to talk to us

Our Financial Advisers will guide you through the things you need to consider when investing your money*.


* Please note

When you contact us we'll explain the advice services we offer and the charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

For security and training purposes calls may be recorded and monitored.