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Aims of these guides

These guides tell you how we manage our with profits fund. They give important information about how our with profits policies work and what benefits policyholders can expect from them.

Choosing the correct document to view

There are several guides and you need to choose the version which is appropriate for your policy. This depends on the type of policy you have, when you bought it and from which company you bought it originally.  If you know which guide is relevant you can download the latest version from the list below.

Guide 1 -   Download guide 1 in PDF format

This guide is appropriate if you have an Ordinary Branch conventional with profits policy that was taken out with Royal London before 1 January 2001.

Guide 2 - Download guide 2 in PDF format

This guide is appropriate if you have an Ordinary Branch conventional with profits policy that was taken out with Refuge Assurance or United Friendly before 1 January 2001.

Guide 3 - Download guide 3 in PDF format

This guide is appropriate if you have a unitised with profits policy (including an Individual Savings Account (ISA) invested in with profits) that was taken out with Royal London or with Refuge Assurance.

Guide 4 - Download guide 4 in PDF format

This guide is appropriate if you have an Industrial Branch with profits policy. By this we mean a policy where you originally had a premium receipt book and normally paid your premiums to a Customer Services Representative.

You may be still be paying premiums in this way or by standing order or you may recently have changed to direct debit. If you are in any doubt your policy document will explain whether your policy is an Industrial Branch policy.

Guide 5 - Download guide 5 in PDF format

This guide is appropriate if you have a with profits or deposit administration policy that was taken out with Scottish Life before 1 July 2001. Your policy is invested in The Scottish Life Fund.

Guide 6 - Download 6 guide 6 in PDF format

This guide is appropriate if you have a Scottish Life branded with profits policy that was taken out after 30 June 2001. You should also read this guide if you have increased your premiums or paid additional single premiums to a Scottish Life with profits policy after 30 June 2001.

Your policy is invested in the Royal London fund.

Guide 7 - Download guide 7 in PDF format

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.

Important notes:

• If you have more than one policy you may need to download more than one guide as different documents might be relevant to each policy.
• You should read these guides carefully. You may find it helpful to refer to other policy documents as you go through it.
• These guides do not change the terms of your policy; they give you further information to help you understand it better.

PDF Format

These documents are provided in Adobe Acrobat PDF format, which requires Adobe Acrobat Reader.

If you have not installed the Acrobat Reader previously, or if your version is out-of-date, please download the current version of the Reader now.