24 August 2019

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
April 2018
Stakeholder Pension Scheme - 0.1Mb
  • Unit-linked pension policy
April 2018
Personal Pension Scheme, Appropriate Personal Pension & Free-Standing Pension Scheme (FSAVC) - 0.1Mb
  • Traditional with-profits pension policy
  • Unavailable to new customers
April 2018
Pension Annuity (Table P) - 0.1Mb
  • Traditional with-profits pension policy
  • Unavailable to new customers
April 2018
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
April 2018

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Savings & Investments

Product type (PDF)Desciption Last Updated
Unit Trusts - 0.1Mb
  • Can be held inside or outside of a CIS Stocks & Shares ISA
April 2018
Platinum Bond Plus - 0.1Mb
  • With-profits bond
April 2018
Platinum Plus - 0.1Mb
  • With-profits savings plan;
  • Can be held inside or outside of a CIS Stocks & Shares ISA
  • Unavailable to new customers
April 2018
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
April 2018

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Life & Health Insurance

Product type (PDF)Desciption Last Updated
Level Term Assurance
  • Pays out a fixed lump sum on death before the end of the policy term
July 2015
Decreasing Temporary Assurance
  • Pays out a lump sum on death before the end of the policy term
  • The lump sum decreases over the term of the policy
July 2015
Critical Illness Cover
  • Pays out a fixed lump sum on diagnosis of one of a specified number of critical illnesses before the end of the policy term
July 2015
Level Term Assurance with Critical Illness Cover
  • 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
July 2015
Decreasing Temporary Assurance with Critical Illness Cover
  • 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
July 2015
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
April 2018
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

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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:

About the Royal London Group | Legal Information | Modern Slavery Statement

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL. RL Marketing (CIS) Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales number 3390839. Registered office: 55 Gracechurch Street, London, EC3V 0RL. RLUM Limited is authorised and regulated by the Financial Conduct Authority. Registered in

England and Wales number 2369965. Registered office: 55 Gracechurch Street, London, EC3V 0RL.

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