Windsor Life With-Profit Fund Conventional With-Profits Bonus Rates
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1 Windsor Life With-Profit Fund Conventional With-Profits Bonus Rates Including: Regular Bonus Rates Page 1 Final Bonus Rates (Pension) Page 4 Final Bonus Rates (Life) Page 6 15 March 2016
2 Regular Bonus Rates Bonuses are additions to the benefits payable on with-profits policies. You can find more information about how bonuses are added to different types of policy in our "Guide to how the Windsor Life With-Profit Fund is managed". Bonus rates can go up or down, and past rates are not a guide to what may happen in the future. Product % of Sum Assured to 31/12/2015* % of Existing Bonuses to 31/12/2015* % of Sum Assured to 31/12/2014* % of Existing Bonuses to 31/12/2014* New Series 4.00% 4.00% 4.00% 4.00% Old Series (rate depends on year of inception) up to 56.00% - up to 64.00% - Home & Savings 3.00% 3.00% 12.5%** 12.5%** Minor Profits 1.75% 1.75% 2.25% 2.25% NZI 3.50% 3.50% 4.00% 4.00% Deferred Annuity - Funded for Pension Deferred Annuity - Funded for Cash 1.75% 1.75% 1.75% 1.75% 0.10% 0.10% 0.25% 0.25% SEPP - old series 1.75% 1.75% 1.75% 1.75% SEPP - new series 0.75% 0.75% 0.75% 0.75% EPP 1.50% 1.50% 1.75% 1.75% UK Life (rate depends on year of inception) 0.25% of sum assured for each year in force 0.25% of sum assured for each year in force 0.25% of sum assured for each year in force 0.25% of sum assured for each year in force Structured Settlements before 01/07/2002 Structured Settlements between 01/07/2002 and 30/09/2002 Structured Settlements 01/10/2002 onwards 2.25% 2.25% 2.75% 2.75% 2.25% 2.25% 2.75% 2.75% 3.25% 3.25% 3.75% 3.75% Page 1
3 Product With-Profits Pension Annuity before 01/07/2008 With-Profits Pension Annuity between 01/07/2008 and 31/12/2009 With-Profits Pension Annuity between 01/01/2010 and 30/11/2011 With-Profits Pension Annuity 01/12/2011 onwards % of Sum Assured to 31/12/2015* % of Existing Bonuses to 31/12/2015* % of Sum Assured to 31/12/2014* % of Existing Bonuses to 31/12/2014* 4.25% 4.25% 4.25% 4.25% 6.50% 6.50% 6.50% 6.50% 4.00% 4.00% 4.50% 4.50% 5.00% 5.00% 5.50% 5.50% * The 31/12/2015 rate on ex-gresham policies applies to the policy year ending in * The 31/12/2015 rate on Structured Settlements and With Profit Pension Annuity applies to policies reaching their anniversaries from 01/05/2016; the 31/12/2014 rate applied from 01/05/2015. * The 31/12/2015 rate on the other policies applies to the calendar year ** Since this product does not receive a final bonus, regular bonuses are declared without being smoothed. It is expected that future bonuses will be significantly lower than this 2014 rate. Contributions from the Estate The Windsor Life With-Profit Fund is closed to new business, but customers that have policies already invested in the with-profits fund will continue to have their premiums invested in it. There are investments in the Windsor Life With-Profit Fund that are not needed for it to meet its current obligations (which include paying benefits to with-profits policyholders and covering the cost of guarantees). This surplus is the Windsor Life With-Profit Fund Estate. The Estate allows us to smooth investment returns, and use a more diverse portfolio of investments than we would otherwise. Before the fund closed, the Estate was also used to meet the cost of writing new business. Now the fund is closed to new business, it will shrink as time passes and policies end. This means we can allow the Estate to shrink too, by using it to increase policy asset shares (as described in the Principles and Practices of Financial Management (PPFM)). This in turn means we can apply higher bonus rates. Page 2
4 Since 2008, the annual contributions from the Estate have been: Year Increase to asset shares % % % % %* % % % % *In addition to the above, all with-profits policies in force on 1 July 2012 (the date the fund was closed) received an additional contribution of up to 12% (depending on the number of years in force). The contribution for 2013 was declared in two stages (June and September), reflecting the latest financial position of the fund and including the potential impact of future regulatory changes. Page 3
5 Final Bonus Rates (Pension) Final bonus rates with effect from 15 March 2016 Deferred Annuity Funded for Pension Age at Retirement % of Sum Assured % of Regular Bonus 70 14% 14% 69 12% 12% 68 9% 9% 67 9% 9% 66 8% 8% 65 7% 7% 64 6% 6% 63 6% 6% 62 5% 5% 61 5% 5% 60 and earlier 0% 0% Deferred Annuity Funded for Cash Age at Retirement % of Sum Assured % of Regular Bonus 75 0% 110% 74 0% 106% 73 0% 102% 72 0% 98% 71 0% 94% 70 0% 90% 69 0% 86% 68 0% 82% 67 0% 78% 66 0% 74% 65 0% 70% 64 0% 66% 63 0% 62% 62 0% 58% 61 0% 54% 60 and earlier 0% 50% Page 4
6 EPP SEPP Old Series Qualifying Year % of Sum Assured % of Regular Bonus 1990 and later 0% 176% % 162% % 147% % 137% % 126% % 117% % 110% % 103% % 97% % 100% % 105% % 109% Age at Retirement Qualifying Year % 89% 95% 102% 110% 118% 127% 137% 147% 159% 172% % 85% 91% 98% 106% 114% 123% 133% 144% 155% 168% % 80% 87% 94% 101% 110% 118% 128% 139% 150% 163% % 76% 83% 90% 98% 106% 115% 125% 135% 147% 160% % 81% 88% 96% 104% 113% 122% 132% 143% 156% 169% 1984 and later 80% 87% 94% 102% 111% 120% 130% 141% 152% 165% 179% SEPP New Series Age at Retirement Qualifying Year % 93% 99% 106% 113% 120% 128% 137% 147% 157% 169% % 99% 105% 112% 120% 128% 136% 146% 156% 167% 179% % 106% 113% 121% 128% 137% 146% 156% 167% 178% 191% % 115% 122% 130% 139% 148% 158% 168% 180% 192% 209% % 123% 131% 139% 149% 158% 169% 180% 193% 209% 227% % 136% 145% 154% 164% 175% 186% 199% 215% 233% 252% % 147% 157% 167% 178% 190% 203% 220% 238% 257% 278% % 146% 156% 168% 179% 192% 209% 228% 248% 269% 292% Page 5
7 Final Bonus Rates (Life) Final bonus rates with effect from 15 March 2016 New Series Qualifying Year % of Sum Assured % of Regular Bonus 1992 and later 0% 121% % 122% % 125% % 128% % 116% % 117% % 118% % 87% % 94% % 129% % 133% % 150% % 162% % 179% % 194% % 200% % 213% % 180% % 231% % 265% % 279% % 279% % 286% % 296% 1968 and earlier 0% 302% Page 6
8 Old Series Qualifying Year % of Sum Assured % of Regular Bonus % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% % 0% 1953 and earlier 634% 0% Product % of Sum Assured % of Regular Bonus Minor Profits 73% 78% UK Life 56% 61% NZI 63% 68% Page 7
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