Our PPFM was last changed on 22nd May 2017 and the NFU Mutual Summary of Changes to PPFM document below is a summary of the changes we made. This document sets out the detail of how we manage our With-Profits Funds.
We have also produced an appendix to the PPFM. This contains additional useful information about our with-profits business.
We call a with-profits policy unitised when your investment buys units in the With-Profits Fund. If you want to invest in a new unitised with-profits policy or you have one of the following NFU Mutual policies, you should read Your Guide to Our Funds [PDF: 200KB].
If you have one of the following NFU Mutual policies, which are unitised with-profits but no longer open to new business, and require further information please contact us on 0800 622 323.
If you have a Conventional With-Profits contract, you should read A guide to Conventional With-Profits [PDF: 112KB]. 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:
If you have a With-Profits Annuity contract you should read A guide to the With-Profits Annuity [PDF: 112KB].