Forms & Documents

Before making decisions about your pensions and savings, we recommend you seek independent financial advice. A financial adviser will inform you of the fee they charge for this service.

Financial Adjustment
From 1 April 2014 the financial adjustment is 0%. This may change in the 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

Name of publication

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