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Principles and Practices of Financial Management
Choosing the relevant PPFM
| Policy issued by | Date issued | Relevant documents |
|
Royal London, Refuge Assurance (under brand name Refuge Assurance, Refuge Life, United Friendly), United Friendly Insurance (under brand name United Friendly) |
Anytime | Royal London PPFM appendix 2 |
| Royal London Scottish Life | After 30 June 2001 | Royal London PPFM appendix 2 |
| Scottish Life | Before 1 July 2001 | Scottish Life before 1 July 2001
The 'Scottish Life' PPFM applies to all with profits policies issued by Scottish Life before 1 July 2001. If you increased your regular premiums or paid additional lump sum premiums from 1 July 2001 then the 'Royal London' PPFM applies to the part of your policy covered by these premiums.
|
| Phoenix Life Assurance Limited | Anytime | If your policy was previously with Phoenix Life Assurance Limited, the PLAL with profits sub-fund PPFM applies to your policy. |
| Royal Liver Assurance Limited and Friends Provident Life Office | Anytime | The Royal Liver Sub-Fund PPFM applies to your policy. |
| Co-op Insurance Society | Anytime |
If your policy is a Stakeholder pension plan, the CIS With-Profits Stakeholder Fund PPFM applies. For other individual personal pensions and unitised with-profits pension plans, the CIS With-Profits Pension Fund PPFM applies. For all other with-profits policies, the CIS Long Term Business Fund PPFM applies. |
PPFM Guide 7
PPFM Guide 7- This guide is appropriate if you have a with profits policy previously with Phoenix Life Assurance Limited. Your policy is invested in the PLAL With-profits Sub-Fund.
Your With Profits Policy
Your With Profits Policy (YWPP) - This guide offers supplementary information on the investment performance of your with profits policy.
RLCIS guides
Endowment Guide
Endowment Guide - This guide is appropriate if you have a with profits Endowment Assurance policy (including Low Cost Endowment (Mortgage Endowment) Assurance policies) that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Whole Life Guide
Whole Life Guide - This guide is appropriate if you have a with profits Whole Life Assurance policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Funeral Investment Guide
Funeral Investment Guide - This guide is appropriate if you have a with profits Funeral Investment or Funeral Pre-Payment Plan policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Platinum Products Guide
Platinum Products Guide - This guide is appropriate if you have a with profits Platinum Bond Plus or Platinum Plus policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Personal Pension and SERPS Guide
Personal Pension and SERPS Guide - This guide is appropriate if you have a with profits Personal Pension policy (including policies with voluntary contributions and/or SERPS contributions) or a with profits Free Standing Additional Voluntary Contribution (FSAVC) policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Insured Pensions (Individual) Guide
Insured Pensions (Individual) Guide - This guide is appropriate if you have a with profits Insured Pension policy from an Individual Arrangement or a Group Money Purchase plan that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Insured Pensions (Group) Guide
Insured Pensions (Group) Guide - This guide is appropriate if you have a with profits Insured Pension policy from a Group Defined Benefit Scheme that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund
Option 32 Pension Transfer Guide
Option 32 Pension Transfer Guide - This guide is appropriate if you have a with profits Option 32 Pension Transfer policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Pensions Annuity (Table P) Guide
Pensions Annuity (Table P) Guide - This guide is appropriate if you have a with profits Pensions Annuity policy (Table P) that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
AVC Pensions Extra Guide
AVC Pensions Extra Guide - This guide is appropriate if you have a with profits Additional Voluntary Contributions (AVC) Pensions Extra policy that was taken out with RLCIS. Your policy is invested in the RLCIS OB & IB Fund.
Individual Personal Pension Guide
Individual Personal Pension Guide - This guide is appropriate if you have a with profits Individual Personal Pension policy that was taken out with RLCIS. Your policy is invested in the RLCIS With-Profits Pension Fund.
Unitised With-Profits Pension Plans Guide
Unitised With-Profits Pension Plans Guide - This guide is appropriate if you have a unitised with profits pension policy (other than individual personal pension and stakeholder pension plans) that was taken out with RLCIS. Your policy is invested in the RLCIS With-Profits Pension Fund.
Stakeholder Pension Guide
Stakeholder Pension Guide - This guide is appropriate if you have a with profits Stakeholder Pension policy that was taken out with RLCIS. Your policy is invested in the RLCIS With-Profits Stakeholder Fund.