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Q. How can I find out the value of my policy?
A. The value of your policy can be found on your last annual/anniversary statement. You can also contact us.

Q. What do I need to do if I want to take my savings?
A. For more information on the options available to you, please contact us.

Q. Is there a financial adjustment or charge for taking my savings?
A. We do not have a financial adjustment, neither do we charge you for taking your savings.

For German policyholders invested in the with-profits fund, if you are cashing in your with-profits at a time specified in your policy, you will receive the higher of your minimum guaranteed value and the policy value. Your guaranteed value is shown on your last annual/anniversary statement.

Q. What is the contribution charge for my policy?
A. There are no initial charges on contributions to pension or life funds on or after 30 June 2018.

Q. Where can I find more information about charges?
A. Full details of charges can be found in policy documentation and our with-profits and unit-linked guides. The with-profit guide only applies to German with-profit policyholders

Q. How do I notify you of a change of address?
A. In most cases we can change your address over the telephone if you call +44 1296 386242 (Irish policyholders) or 01803 234630 (German policyholders). Kindly have your policy number available.

Q. How do you manage the with-profits fund?
A. We publish a detailed document called Principles and Practices of Financial Management (PPFM) which explains how the with-profits fund is managed. This can be located under the with-profits heading on our website or by clicking here.

Every year, we publish a report which covers the management of the with-profits fund. Please click here for a copy.

Q. What is the asset mix of the with-profit fund?
A. The with-profits fund is principally invested in a multi-asset fund that provides exposure to a broad mix of assets split between the following investment types:

  • Shares 60%
  • Bonds 35%
  • Cash 5%

These percentages are approximate and are subject to change based on investment manager views over time.

Q. Where can I find details of historical with-profits bonus rates?
A. These can be found in the Appendix of our Principles and Practices of Financial Management (PPFM) document. This document is located under the with-profits fund heading or by clicking here.
Q. Where can I find information on your unit-linked funds, their past performance and prices?
A. Information regarding our unit-linked funds can be found under the unit-linked heading on our website or by clicking here.