Royal London
March 10th 2010

Which PPFM is relevant?

Was your policy issued by:

  • Royal London
  • Refuge Assurance (under brand name Refuge Assurance, Refuge Life, United Friendly)
  • United Friendly Insurance (under brand name United Friendly)

If so, the Royal London PPFM applies to your policy.

Royal London PPFM appendix 2

Was your policy issued by:

  • Scottish Life after 30 June 2001

If so, the “ Royal London” PPFM applies to your policy.

Royal London PPFM appendix 2

  • 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.

Scottish Life PPFM appendix 2

Was your policy previously with Phoenix Life Assurance Limited?  If so, the PLAL with profits sub-fund PPFM applies to your policy.