PPFM Guides
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
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
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
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
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.
Guide 5
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.
Download 5 guide in PDF format (0.1mb)
Guide 6
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.
Download guide 6 in PDF format (0.1mb)
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.
Download guide 7 in PDF format (176kb)
Guide 8
This guide is appropriate if you have a Conventional with profits policy that was administered by Royal Liver Assurance Limited prior to 1 July 2011. This includes Conventional with profits policies written by Royal Liver or under the Caledonian, Friends’ Provident or Irish Life brands. Your policy is invested in the Royal Liver Sub-Fund.
Guide 9
This guide is appropriate if you have a Unitised with profits policy that was administered by Royal Liver Assurance Limited prior to 1 July 2011. This includes Unitised with profits policies written by Royal Liver or under the Caledonian, Friends’ Provident or Irish Life brands. Your policy is invested in the Royal Liver 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.