Product guides for existing customers

Are you looking for information on a product you already hold?

The product guides below are intended to provide you with an ‘at a glance’ guide to the most important features of your product.

Pensions
Savings & Investments
Life & Health Insurance

As a result of reading one of these guides you may wish to:

read the more detailed information you received when you bought your product
speak to one of our Customer Advisers
or read the Principles and Practices of Financial Management (PPFMs) relating to your product. The “Principles and Practices of Financial Management” (PPFM) document explains in detail the management of the “with-profits fund”.

The following tables show the product guides (these will open as PDFs in new windows):

Pensions

Product type (PDF)	Desciption	Last Updated
Individual Personal Pension Scheme - 0.1Mb	Unit-linked pension policy	November 2010
Stakeholder Pension Scheme - 0.1Mb	Unit-linked pension policy	November 2010
Personal Pension Scheme, Appropriate Personal Pension & Free-Standing Pension Scheme (FSAVC) - 0.1Mb	Traditional with-profits pension policy Unavailable to new customers	November 2010
Pension Annuity (Table P) - 0.1Mb	Traditional with-profits pension policy Unavailable to new customers	November 2010
Pension Transfer Plan (Option 32) - 0.1Mb	Traditional with-profits pension policy Used to transfer pension benefits from an ex-employer’s occupational pension scheme Unavailable to new customers	November 2010

Savings & Investments

Product type (PDF)	Desciption	Last Updated
Unit Trusts - 0.1Mb	Can be held inside or outside of a CIS Stocks & Shares ISA	February 2010
Platinum Bond Plus - 0.1Mb	With-profits bond	December 2008
Platinum Plus - 0.1Mb	With-profits savings plan; Can be held inside or outside of a CIS Stocks & Shares ISA Unavailable to new customers	December 2008
Endowments - 0.1Mb	Traditional with-profits savings policies Provides a lump sum at the end of the policy term or on earlier death Unavailable to new customers	May 2010

Life & Health Insurance

Product type (PDF)	Desciption	Last Updated
Level Term Assurance - 0.1Mb	Pays out a fixed lump sum on death before the end of the policy term	December 2008
Decreasing Temporary Assurance - 0.1Mb	Pays out a lump sum on death before the end of the policy term The lump sum decreases over the term of the policy	December 2008
Critical Illness Cover - 0.1Mb	Pays out a fixed lump sum on diagnosis of one of a specified number of critical illnesses before the end of the policy term	December 2008
Level Term Assurance with Critical Illness Cover - 0.1Mb	Pays out a fixed lump sum on death or earlier diagnosis of one of a specified number of critical illnesses before the end of the policy term	December 2008
Decreasing Temporary Assurance with Critical Illness Cover - 0.1Mb	Pays out a lump sum on death or earlier diagnosis of one of a specified number of critical illnesses before the end of the policy term The lump sum decreases over the term of the policy	December 2008
Income Benefit - 0.1Mb	Pays out an income for a specified period on death before the end of the policy term	December 2008
Whole Life Assurance - 0.1Mb	Pays out a lump sum on death Traditional with-profits policy	December 2008
Income Protection - 0.1Mb	Provides a regular income if unable to work due to illness or injury and suffer a loss of earnings.	October 2010

To help our customers make sense of some of the terms and expressions used in our Life and Health Insurance policy product guides we have created jargon buster documents:

These will open as PDFs in new windows.

Level Term Assurance (PDF - 0.1Mb)
Decreasing Temporary Assurance (PDF - 0.1Mb)
Critical Illness Cover (PDF - 0.1Mb)
Level Term Assurance with Critical Illness
Cover (PDF - 0.1Mb)
Decreasing Temporary Assurnace with
Critical Illness Cover (PDF - 0.1Mb)
Income Benefit (PDF - 0.1Mb)
Whole Life Assurance (PDF - 0.1Mb)