Windsor Life With-Profit Fund Unitised With-Profits Bonus Rates
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- Lesley Stokes
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1 Windsor Life With-Profit Fund Unitised With-Profits Bonus Rates Including: Regular Bonus Rates Page 1 Final Bonus Rates (Pension) Page 3 Final Bonus Rates (Life) Page 5 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 Bonus Rate Effective Date Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Preserve & Profit Series % 1 April 2016 Mortgage Endowment Series % 1 April 2016 Aegon Life Regular Life Series 5.50% 1 April 2016 Aegon Pension Single Series 2 Initial 1.50% 1 April 2016 Aegon Pension Single Series 2 Accum 4.75% 1 April 2016 Aegon Pension Single Series 3 Initial 1.75% 1 April 2016 Aegon Pension Single Series 3 Accum 5.00% 1 April 2016 Aegon Pens Regular (incl SERPS) - Series 2 Initial 1.50% 1 April 2016 Aegon Pens Regular (incl SERPS) - Series 2 Accum 4.75% 1 April 2016 Aegon Pens Regular (incl SERPS) - Series 3 Initial 1.75% 1 April 2016 Aegon Pens Regular (incl SERPS) - Series 3 Accum 5.00% 1 April 2016 Product Added Interest Effective Date Personal, Flexible & Group Pension 5.00% 1 April 2016 Individually Funded Schemes [Guaranteed 5.75%]* 5.75% 1 April 2016 Individually Funded Schemes [Guaranteed 4.75%]* 4.75% 1 April 2016 * Unitised with-profits only - Bonus rates apply from next policy anniversary. Page 1
3 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. 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 2
4 Final Bonus Rates (Pension) Final bonus rates with effect from 15 March 2016 Aegon Pension Single 1993 and later 62% % % % % Aegon Pension Regular (including SERPS) 1999 and later 37% % % % % % % % % % % % Personal, Flexible and Group Pensions Final Bonus Rate is 52% for all durations Page 3
5 Individually Funded Schemes 2000 and later 27% % % % % % % % % % % % % % % % % % % % % % % % % 1975 and earlier 105% Page 4
6 Final Bonus Rates (Life) Final bonus rates with effect from 15 March 2016 Preserve & Profit Series Year of Entry 1-42% 2-40% 3-39% 4-38% 5-35% 6-37% 7-39% 8-41% 9-29% % % % % % Mortgage Endowment Final bonus rate is 39% for all durations Aegon Life Regular 1992 and later 41% % 1990 and earlier 48% Page 5
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