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Royal London's PPFMs

As well as a series of guides for policyholders Royal London has two PPFMs:

  • The Royal London PPFM
    This covers all with profits policies issued by Royal London including those originally issued under the United Friendly and Refuge Assurance brands. It also covers with profits business written under the Scottish Life brand from 1 July 2001. This includes increases in regular premiums or additional lump sum premiums ("top ups") made from 1 July 2001 to Scottish Life with profits policies issued before that date.
  • The Scottish Life PPFM
    This relates to with profits business written in the Scottish Life fund before 1 July 2001. This is now a closed fund. Increases in regular premiums or additional lump sum premiums ("top ups") made from 1 July 2001 to these policies are invested in the Royal London Long Term Fund so the principles and practices detailed in the Royal London PPFM will apply to these premiums.

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Notes

The Royal London & Scottish Life PPFMs were first published on 30 April 2004.

We published new versions of the PPFMs on 31 December 2007.

Common questions

2007 Reports to with profits policyholders

Updated June 2008

Any questions?