Forms & Documents
Before making decisions about your pensions and savings, we suggest you contact an Independent Financial Adviser. You may be charged for the advice given.
Financial Adjustment
At present the financial adjustment applied to the non-contractual termination of with-profits policies is 5%. This may increase or decrease in future.
WARNING: please note that a financial adjustment will be applied where with-profits policies are terminated outside the terms of the contract. Click here for details of when guaranteed terms apply. We do not recommend that you surrender a policy without receiving independent financial advice.
Key for table below
PIPs: Personal Investment Plan
RSPs: Regular Savings Plans
WoL: Whole of Life
End: Endowments
DA: Deferred Annuities
FSPs: Flexible Savings Plans
DP: Deposit Plans
FPPs: Flexible Protection Plans
MIPs: Maximum Investment Plans
FMPs: Flexible Mortgage Plans
FSAVC: Free Standing Additional Voluntary Contributions
IPP: Individual Pension Plan
WUP: Wind-Up Plan
TP: Transfer Plan
