facilitated adviser charges This is an important document. Please keep it safe for future reference.
|
|
- Gary O’Brien’
- 6 years ago
- Views:
Transcription
1 SELECT PORTFOLIO BOND (WEALTH MANAGERS) facilitated adviser charges GUIDE. This is an important document. Please keep it safe for future reference.
2 2 select portfolio bond (WEALTH Managers) facilitated adviser charges guide
3 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 3 CONTENTS 1. What ARE facilitated ADVISER CHARGES? 2. What TYPes OF facilitated ADVISER CHARGE DO YOU Offer? 3. HOW DOes EACH TYPE OF facilitated ADVISER CHARGE WORK? 4. PAYMENT DUE DATES AND DATE OF CALCUlatiON OF VALUes 5. What OPtiONS DO I HAVE WheN MY INvestMENT IS UP AND RUNNING? 6. What HAPPENS IF I CASH IN SOME OF MY BOND? 7. What HAPPENS IF I CASH IN ALL OF MY BOND? 8. WHAT HAPPENS IF I MAKE ANY ADDITIONAL INVESTMENTS INTO MY BOND? What HAPPENS IF I CHANge MY MIND ABOUT A facilitated adviser CHARGE? HOW DO I KNOW HOW MUch i ve agreed you should pay to my adviser s firm? What HAPPENS IF I CHANge MY ADVISER? 12. What ABOUT TAX? What HAPPENS IF SOMEONE NAMed ON MY BOND DIES OR THE POlicYhOlders OF MY BOND CHANGE? changing the terms of facilitated adviser charges 15. CONtactiNG US glossary
4 4 select portfolio bond (WEALTH Managers) facilitated adviser charges guide using this document. IMPOrtaNT NOte The Select Portfolio Bond is referred to as the bond throughout this guide. PURPOse OF THIS GUide This guide gives you details of how facilitated adviser charges work. It s an important document to refer to. The Product Guide, the Policy Schedule, the Facilitated Adviser Charges Guide and the Facilitated Adviser Charges Schedule together are the terms and conditions that apply to your bond. You should keep this guide safe as you ll need to refer to it if you want to make any changes to facilitated adviser charges in the future. facilitated ADVISER CHARGES SCHEDUle The Facilitated Adviser Charges Schedule sets out the details of any facilitated adviser charges you ve asked us to apply before you invest and/or after your bond has started. If you or your adviser ask us to make changes to facilitated adviser charges on your bond, we ll confirm them by sending you an updated Facilitated Adviser Charges Schedule. TO HELP YOUR UNDERSTANDING We ve done our best to explain everything as simply as possible. However some terms may be unfamiliar. Some of these are explained in the glossary on page 11. We ve highlighted these terms in red when we use them. Please cross-reference as needed. Throughout the guide we refer to you, we and us. You means the owner of the bond, referred to in your Select Portfolio Bond Policy Schedule and Product Guide as the policyholder. We and us means Legal & General. find OUt more At some points we ve included clear signposts (using the symbol shown alongside) which direct you to more detailed information in this or other documents. Keep an eye out for these. If you d like to see the other documents, please ask us, or your adviser. IF YOU re UNSUre, Please ASK. If anything is unclear or you require further information, we or your adviser will be happy to help.
5 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 5 1. What ARE facilitated ADVISER CHARGES? You ll agree with your adviser s firm how to pay adviser charges for their services before you invest. We offer you a way of paying your adviser charges called facilitated adviser charges. You can ask us to facilitate payment of your adviser charges by making deductions from the money you give us before you invest, or from your bond after it has started. We ll then pay the amounts we ve deducted to your adviser s firm. When we ve made a deduction for a facilitated adviser charge, we re then responsible for paying the amount deducted to your adviser s firm. 2. What types of facilitated adviser charge do YOU offer? We currently offer two ways of facilitating payment of your adviser charges: an initial facilitated adviser charge deducted before you invest in your bond. an ongoing facilitated adviser charge deducted from your bond after it has started. We ll make any payments based upon the instructions you give us. Initial facilitated adviser charge An initial facilitated adviser charge relates to the adviser charge payable by you for advice that leads to you making an investment, or an additional investment into your bond. You ll agree an amount with your adviser s firm which we ll deduct from the total amount you give us before you invest in your bond. We ll then pay this amount to your adviser s firm. We ll only deduct and pay an initial facilitated adviser charge once for each individual investment. We ll also only make this type of payment before you invest in your bond. Ongoing facilitated adviser charge An ongoing facilitated adviser charge relates to the adviser charge payable by you for any ongoing advice or related services. You ll agree an amount with your adviser s firm as a percentage of your individual investment s value which we ll deduct monthly from your bond. We ll then pay this amount to your adviser s firm. We ll continue paying the ongoing facilitated adviser charge until you ask us to stop or change it, or until there isn t enough money left in your bond to pay the charge. 3. How does each type of facilitated adviser charge work? Initial facilitated adviser charge How we do it We make a deduction from the amount you provide us with. We pay this to your adviser s firm and invest the remaining money into your bond. For example: You give us 50,000. You ask us to pay 3% ( 1,500) to your adviser s firm as an initial facilitated adviser charge. The payment is divided as follows: 1,500 paid to your adviser s firm, the remaining 48,500 is invested in your bond.
6 6 select portfolio bond (WEALTH Managers) facilitated adviser charges guide Ongoing facilitated adviser charge How we do it We cash in units based on your chosen percentage of your individual investment s value. If your bond is invested in more than one fund, we cash in units from each fund proportionately. For example: You ask us to apply an ongoing facilitated adviser charge of 0.5% each year taken monthly on your bond, which is worth 52,809 with 13, in fund A and 39, in fund B, spread over 100 policies. 0.5% divided by 12 = % % x 52, = divided by 100 policies = rounded down to the next whole penny = 0.22 per policy 0.22 x 100 policies = Total payment = Amount taken from fund A 13, divided by 52,809 x 100 = 25% 25% x = 5.50 Amount taken from fund B 39, divided by 52,809 x 100 = 75% 75% x = The amount we pay has to be divisible by whole pence for each policy that makes up your bond. If this isn t possible, we ll round the amount down to the next whole penny for each policy. For example: You ask us to apply an ongoing facilitated adviser charge of 0.5% each year taken monthly from your bond, which is worth 50,000 with 30,000 in fund A and 20,000 in fund B, spread over 100 policies. 0.5% divided by 12 = % % x 50, = divided by 100 policies = rounded down to the next whole penny = 0.20 per policy 0.20 x 100 policies = Total payment = Amount taken from fund A 30,000 divided by 50,000 x 100 = 60% 60% x = Amount taken from fund B 20,000 divided by 50,000 x 100 = 40% 40% x = 8.00
7 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 7 4. PaYMent due dates and date of calculation Of values Ongoing facilitated adviser charges are due on the same day of the month, in line with the policy date shown in your Policy Schedule. We cash in units using the unit price, or unit prices, calculated on the date the facilitated adviser charge is due. Where that date falls on a non-working day we will cash in units using the unit price, or unit prices, calculated on the previous working day. There could be times when we can t calculate the unit price for a fund which your bond s invested in. This could be due to market conditions or failure of another company we rely upon. If this happens, we ll calculate what we believe to be an appropriate unit price, rather than delaying payment to your adviser s firm. We ll base the price on our view of what the assets held in the fund might be valued at and we ll make any adjustments we think are right to ensure fairness to everybody invested in the fund. 5. What options do I have when my investment is up and running? Initial facilitated adviser charge This can t be changed or cancelled once your bond has started. Ongoing facilitated adviser charge You can stop, start or alter an ongoing facilitated adviser charge at any time. We can act on your instructions alone. We don t need the agreement of your adviser s firm although we ll let them know if you make any changes to an ongoing facilitated adviser charge. We won t act on any instructions from your adviser s firm without your agreement unless they ask us to reduce or stop an ongoing facilitated adviser charge. You need to give us your instructions in writing at least 14 days in advance of the date you want us to make a change to an existing, or set up a new facilitated adviser charge. If a payment to your adviser s firm is due within this 14 day period we won t be able to stop it. To start a new ongoing facilitated adviser charge or increase an existing ongoing facilitated adviser charge, all policyholders must sign and date an instruction before we can accept it. To stop or reduce an existing ongoing facilitated adviser charge, at least one policyholder must sign and date an instruction before we can accept it. If you ask us to stop or reduce your ongoing facilitated adviser charge you ll need to check your agreement with your adviser s firm to see if you have any further adviser charges to pay. You can write to us to make a change at the address shown in the Contacting us section on page 10. We may offer other ways of taking instructions from you. You can call us on the number shown in the same section to see what other ways of taking instructions we re currently offering. 6. What happens if I cash in some of my bond? We ll continue to pay any ongoing facilitated adviser charge at the same chosen percentage of your bond s value.
8 8 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 7. What happens if I cash in all of my bond? We ll cancel all ongoing facilitated adviser charges. You ll need to check your agreement with your adviser s firm to see if you have any further adviser charges to pay. 8. What happens if I make any additional investments into my bond? each increment is treated as a separate individual investment for the purposes of paying facilitated adviser charges. When you make an increment you ll need to tell us if you want facilitated adviser charges to apply to it. We won t automatically apply the same facilitated adviser charges from your existing investment(s) to any increments. You can ask us to pay any type of facilitated adviser charge from each increment, irrespective of what you ve asked us to pay from your original investment, or any other increments you ve made. We can apply an ongoing facilitated adviser charge across all the investments in your bond if you prefer. If you ask us to pay any type of facilitated adviser charges from your additional investment, we ll send you an updated Facilitated Adviser Charges Schedule. 9. What happens if I change my mind about a facilitated adviser charge? Once we ve set up and paid any facilitated adviser charges, we can t cancel any payments unless you cancel your bond as shown in the Can I change my mind? section of your Select Portfolio Bond Key Features. Hhowever, you can make changes to an ongoing facilitated adviser charge as shown in the What options do I have when my investment is up and running? section on page 7. If you cancel your bond, stop or reduce an ongoing facilitated adviser charge you should check your agreement with your adviser s firm to see if you have any further payments to make to them. 10. HOW DO I KNOW HOW MUch I ve AGREED YOU SHOUld PAY TO MY ADVISER s firm? Once your bond has started we ll send you a Facilitated Adviser Charges Schedule. This will show any initial or ongoing facilitated adviser charges you ve asked us to pay to your adviser s firm. We ll also send you a regular statement at least once a year which will include details of any ongoing facilitated adviser charges we ve deducted from your bond. 11. What happens if I change my adviser? We ll continue facilitated adviser charges until you tell us to do otherwise. You can tell us to set up a facilitated adviser charge to pay your new adviser s firm. If you do this, we ll stop any facilitated adviser charges due to your existing adviser s firm and contact them to let them know. To set up a new ongoing facilitated adviser charge to your new adviser s firm, we ll need to receive your instructions in writing at least 14 days in advance of the next payment date. If a facilitated adviser charge for your existing adviser s firm is due within this 14 day period we won t be able to stop it.
9 select portfolio bond (WEALTH Managers) facilitated adviser charges guide What about tax? Paying your adviser s firm from your bond may have tax implications. How this impacts you will depend on your personal situation and the type of facilitated adviser charges you agree to pay: Initial facilitated adviser charge There are no tax implications relating to the overall investment as the charge is deducted before you invest in your bond. Ongoing facilitated adviser charge This is treated in the same way for tax purposes as any other amounts you take out of your bond. You ll need to add any ongoing facilitated adviser charges to all other amounts you cash in to work out if you have a liability to tax. Please see your Product Guide for details. You should check with your adviser if you want further information on the tax implications of facilitated adviser charges. 13. What HAPPENS IF SOMEONE NAMed ON MY BOND DIES OR THE POLICYHOLDERS OF MY BOND CHANGE? Iif one of the people named in the Policy Schedule or Policy Schedules as a policyholder dies and there s another or others still alive, we ll continue to pay any ongoing facilitated adviser charges. If the last surviving policyholder dies we ll stop any facilitated adviser charges from the date of death. Iif the last surviving person named on the Policy Schedule or Policy Schedules as a life assured dies your bond ends as described in the Product Guide. We ll stop any facilitated adviser charges from the date of death. When we re notified of a transfer of ownership to anybody other than a policyholder named on the Policy Schedule or Policy Schedules we ll stop any facilitated adviser charges. We can start ongoing facilitated adviser charges again if asked by all policyholders after the transfer of ownership. 14. CHANgiNG THE TERMS OF FACILITATED adviser CHARGES We may make fair and reasonable changes to the terms of your bond including to facilitated adviser charges as shown in the Changing the terms of your bond section of your Select Portfolio Bond Product Guide. We may make changes to the terms of facilitated adviser charges that apply to your bond as a result of actions taken by, or circumstances that apply to, your adviser. We ll only make changes for good reasons which include the following: Your adviser ceases to be an authorised or exempted person under the Financial Services and Markets Act Your adviser ceases to have the appropriate and relevant permissions from the Financial Conduct Authority (or subsequent regulatory bodies) to carry on the business. Your adviser dies or becomes insolvent. Your adviser is no longer providing you with advice or advice-related services. If we or your adviser end the agreement between them and us that allows your adviser to carry out business with us. We believe your adviser is acting in breach of regulatory requirements or in a fraudulent manner.
10 10 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 15. CONTACTING US Your adviser will normally be able to help you with any questions you have about your bond or facilitated adviser charges that are not answered in this guide, the Product Guide, the Key Features, the Facilitated Adviser Charges Summary or the Funds key features. If you d like to ask us anything, please do. You can contact us in any of the following ways. Call us on Calls to this number will not exceed your fixed line or mobile phone provider s national rate and will be included in any inclusive free minute plan or discount scheme you may have with your telephone provider. Call charges will vary between telephone providers. We may record and monitor calls. our helpdesk at customer.response@landg.com If you re contacting us by please remember not to send any personal, financial or banking information because your information isn t secure. Write to us at Legal & General City Park The Droveway Hove East Sussex BN3 7PY
11 select portfolio bond (WEALTH Managers) facilitated adviser charges guide 11 Glossary. Administration office Adviser charges Assets Bond Bond s value Facilitated adviser charge or facilitated adviser charges Fund or funds Increment Individual investment Individual investment s value Normal working hours Policy or policies Policy date Policyholder Policy Schedule Units Unit price or prices Working day The office where we process Select Portfolio Bond business. The current details are shown on page 10. The amount you agree to pay your adviser s firm for their services. Please note that your adviser may have a different name for this such as a fee or service charge. The investments that make up a fund. For example, shares or cash. Our Select Portfolio Bond is a single premium life assurance contract used for investment purposes. The sum of all the individual investment s values. a way of paying your adviser charges. You can ask us to deduct facilitated adviser charges from the money you give to us before you invest in your bond, from your bond after it has started, or a combination of both. We ll then pay the amounts deducted to your adviser s firm. a collection of assets that your bond can be invested in. These assets may be managed by us or other investment management companies. Where we refer to fund in this document it can mean fund or funds. an additional investment into your bond. Each investment you make into your bond. For example, your original investment to set up your bond and three increments would make a total of four individual investments into your bond. The total value of an individual investment in your bond. 9am to 5pm on a working day. an individual insurance contract. Each policy has its own unique number and can be individually recognised. Policies are all the policies that make up your bond. This is the date we receive your correctly completed application form, including any documents we need, and receipt of the money for your investment at our current administration office during normal working hours. The legal owner, or owners, of your bond. a document that sets out the details of your investment which is proof of ownership of your bond. a unit is a share of a fund. Each fund is split into a series of units. The number of units you hold is your share of the fund. A price calculated each working day that is used to value units. any day from Monday to Friday inclusive, excluding English public holidays.
12 Legal & General Assurance Society Limited Registered in England and Wales No Registered office: One Coleman Street, London EC2R 5AA Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. W /16 NON asd
KEY FEATURES. This is an important document. Please keep it safe for future reference.
SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond 2 Select Portfolio Bond (WEAltH MANAGerS)
More informationSELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference.
SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. 2 SELECT PORTFOLIO BOND (wealth managers) KEY FEATURES ABOUT US. The Legal
More informationKEY FEATURES OF THE PORTFOLIO BOND.
PORTFOLIO BOND KEY FEATURES OF THE PORTFOLIO BOND. This is an important document. Please keep it safe for future reference. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT. GLOSSARY. AN ExPLANATION OF SOmE common
More informationproduct guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond
SELECT PORTFOLIO BOND (WEALTH MANAGERS) product guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond 2 SELECT PORTFOLIO BOND (wealth managers)
More informationINVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER CHARGES.
INVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER CHARGES. This is an important document. Please keep it safe for future reference. INVESTOR PORTFOLIO SERVICE (IPS) GUIDE TO FACILITATED ADVISER
More informationproduct guide. This is an important document. Please keep it safe for future reference.
portfolio BOND product guide. This is an important document. Please keep it safe for future reference. Glossary. Additional investment(s) Administration office Allocation rate Assets Authorised fund Bond
More informationFLEXIBLE MORTGAGE ISA PLAN KEY FEATURES. FOR AN ADDITIONAL PLAN. This is an important document. Please keep safe for future reference.
FLEXIBLE MORTGAGE ISA PLAN KEY FEATURES. FOR AN ADDITIONAL PLAN. This is an important document. Please keep safe for future reference. 2 FLEXIBLE MORTGAGE ISA PLAN KEY FEATURES FOR AN ADDITIONAL PLAN ABOUT
More informationTRANSFER APPLICATION FORM.
PERSONAL PENSION SCHEME NO.1 TRANSFER APPLICATION FORM. This application is to be used only for transferring other pensions to an existing Personal Pension Scheme No.1 plan. This application can only be
More informationADDING TO YOUR PLAN ABOUT THIS DOCUMENT. WHAT IS THE PLAN? MANAGING YOUR PLAN. PERSONAL PENSION NO.1 PLAN AND GROUP PERSONAL PENSION NO.
PERSONAL PENSION NO.1 PLAN AND GROUP PERSONAL PENSION NO.1 PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions
More informationFLEXI-ACCESS DRAWDOWN MEMBER S GUIDE.
Personal Pension Plan No.1 (PPNo.1), Group Personal Pension Plan No.1 (GPPNo.1) and Buy Out Plan (BOP) FLEXI-ACCESS DRAWDOWN MEMBER S GUIDE. This is an important document that you should read and keep
More informationKEY FEATURES. RDR. This is an important document that you should read and keep in a safe place. You may need to read it in the future.
RDR PORTFOLIO PLUS PENSION KEY FEATURES portfolio plus pension 1 KEY FEATURES. This is an important document that you should read and keep in a safe place. You may need to read it in the future. 2 PORTFOLIO
More informationINSURANCE KEY FEATURES OF: WHOLE OF LIFE PROTECTION PLAN. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: WHOLE OF LIFE PROTECTION PLAN This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT ARE
More informationKEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.
PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES
More informationA GUIDE TO INCOME DRAWDOWN.
PORTFOLIO PLUS PENSIONS A GUIDE TO INCOME DRAWDOWN. FOR USE WITH: PORTFOLIO PLUS PENSION PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION This is an important document that you should retain. PORTFOLIO PLUS
More informationKEY FEATURES AND POLICY TERMS AND CONDITIONS.
PARENT FREE LIFE COVER KEY FEATURES PARENT AND POLICY FREE TERMS LIFE AND COVER CONDITIONS 1 KEY FEATURES AND POLICY TERMS AND CONDITIONS. This is an important document which you should keep in a safe
More informationOver 50s life insurance
Provided by Legal & General Over 50s life insurance Policy summary Please keep together in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. Policy summary Welcome
More informationADDING TO YOUR PLAN ABOUT THIS DOCUMENT. WHAT IS THE PLAN? MANAGING YOUR PLAN. PERSONAL PENSION 2000 PLAN
PERSONAL PENSION 2000 PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions or transferring the value of other pension
More informationPROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK.
PROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK. Technical Guide Absolute Trust Deed 2 PROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK INTRODUCTION This guide has been written to explain what an Absolute Trust is,
More informationSTAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN
STAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN 2 STAKEHOLDER PENSION PLAN ADDING TO YOUR PLAN ABOUT THIS DOCUMENT. This document gives you the important information you need when making additional contributions
More informationKEY FEATURES. FIXED TERM RETIREMENT PLAN
1 KEY FEATURES OF OUR FIXED TERM RETIREMENT PLAN FIXED TERM RETIREMENT PLAN KEY FEATURES. For customers who are not receiving financial advice. This is an important document that you should keep in a safe
More informationKEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.
PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES
More informationKEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.
PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES
More informationPROTECTION GIFT TRUSTS SURVIVOR S DISCRETIONARY TRUST PACK.
PROTECTION GIFT TRUSTS SURVIVOR S DISCRETIONARY TRUST PACK. Technical Guide Survivor s Discretionary Trust Deed 2 PROTECTION GIFT TRUSTS SURVIVOR S DISCRETIONARY TRUST PACK INTRODUCTION. This guide has
More informationSETTLOR/DONOR S GUIDE
legal & general discounted gift SCHEME SETTLOR/DONOR S GUIDE Inheritance tax planning. For settlor/donors with a potential UK inheritance tax (IHT) liability. This is an important document. Please keep
More informationPROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK.
PROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK. Technical Guide Flexible Trust Deed 2 PROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK INTRODUCTION This guide has been written to explain what a Flexible Trust is,
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 4 REASONS TO MAKE THE MOST OF SCOTTISH WIDOWS MEMBER SERVICES
More informationBuying an annuity Legal & General s Pension Annuity
Buying an annuity Legal & General s Pension Annuity This is an important, once and for all, decision. We want you to be confident that you have the information you need to make the right decision. Contents
More informationLV= Flexible Guarantee Bond Series 3. Bond Conditions
LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 4 REASONS TO MAKE THE MOST OF SCOTTISH WIDOWS MEMBER SERVICES
More informationLife Insurance Plan Policy Conditions
Santander UK plc sells Aviva Life Insurance Plan Life Insurance Plan provided by Aviva Life Insurance Plan Policy Conditions Introduction This Life Insurance Plan is provided by Aviva Life & Pensions UK
More informationKEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.
PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES
More informationFlexible Income Annuity
Flexible Income Annuity Key Features This is an important document and you should read it before deciding whether to buy your pension annuity from us Purpose of this document This Key Features booklet
More informationIf you have any questions, you can call us on (from outside of the UK, please call ).
Life Insurance Plan Policy Conditions Introduction These policy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It s important that you read them carefully together
More informationAA Life Cover. Key Facts Policy Summary and Policy Conditions. Provided by Friends Life and Pensions Limited. AA Life Cover
AA Life Cover Key Facts Policy Summary and Policy Conditions The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give
More informationIMPORTANT DOCUMENT PLEASE READ WESLEYAN FLEXIBLE SAVINGS PLAN
IMPORTANT DOCUMENT PLEASE READ WESLEYAN FLEXIBLE SAVINGS PLAN FOR PLANS ISSUED FROM 1 JANUARY 2013 02 Flexible Savings Plan KEY FEATURES OF THE FLEXIBLE SAVINGS PLAN The Financial Conduct Authority is
More informationthesharecentre: Important Information Addendum to Legal & General s Stakeholder Pension Plan Key Features Document
thesharecentre: Important Information Addendum to Legal & General s Stakeholder Pension Plan Key Features Document The Key Features Document is an important source of information to help you decide whether
More informationACCESSING YOUR PENSION POT.
BUY OUT PLAN ACCESSING YOUR PENSION POT. We ve put together some information to help you understand the options available to you and things you need to consider. You should think about this information
More informationGroup Protection. Helping you understand Excepted Group Life Policies (EGLP)
Group Protection Helping you understand Excepted Group Life Policies (EGLP) Group Protection a helpful guide to excepted group life policies 2 Contents 3 Introduction 4 The different types of group life
More informationRoyal London Funeral Plan Policy Summary
Royal London Funeral Plan Policy Summary This summary lays out the key benefits and limitations of Royal London s insurance policy which forms part of your Royal London Funeral Plan. Just to be clear,
More informationGROUP PROTECTION HELPING YOU UNDERSTAND EXCEPTED GROUP LIFE POLICIES (EGLP).
GROUP PROTECTION HELPING YOU UNDERSTAND EXCEPTED GROUP LIFE POLICIES (EGLP). 2 CONTENTS. 3 INTRODUCTION. This document gives you information about EGLP and answers the following questions: What is an EGLP?
More informationOver 50s Life Insurance More than a memory
Over 50s Life Insurance More than a memory Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make
More informationPOLICY SUMMARY. Over 50s Life Insurance
POLICY SUMMARY Please keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. AA Over 50s Life Insurance is provided by Legal & General.
More informationGuaranteed Pension Annuity
Guaranteed Pension Annuity Key Features Please read this document along with your personal illustration (if you have one) before you decide to buy this plan. It s important you understand how the Guaranteed
More informationACCESSING YOUR PENSION POT.
PERSONAL PENSION NO.1 GROUP PERSONAL PENSION NO.1 ACCESSING YOUR PENSION POT. We ve put together some information to help you understand the options available to you and things you need to consider. You
More informationImportant document please read. Stakeholder Pension
Important document please read Stakeholder Pension Key Features of the Stakeholder Pension The Financial Services Authority is the independent financial services regulator. It requires us, Wesleyan Assurance
More informationKey features of the Immediate Life Annuity
Key features of the Immediate Life Annuity Key features of the Immediate Life Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important
More informationWhole of Life Insurance+ Policy Conditions
Keep this document safe These policy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited, and should be read with your policy schedule and policy summary. You may
More informationEXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS.
GROUP PROTECTION EXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS. ABOUT THESE TERMS AND CONDITIONS. This document and our quote describe the Excepted Group Life Policy terms and conditions for employers
More informationIMPORTANT DOCUMENT PLEASE READ WESLEYAN CAPITAL INVESTMENT BOND
IMPORTANT DOCUMENT PLEASE READ WESLEYAN CAPITAL INVESTMENT BOND FOR POLICIES ISSUED FROM 1 JANUARY 2013 02 Wesleyan Capital Investment Bond KEY FEATURES OF THE CAPITAL INVESTMENT BOND The Financial Conduct
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 ONLINE MEMBER SERVICES
More informationThe Sale for Regular Payment Service
SELF-DIRECTED Explicit Pricing Model The Sale for Regular Payment Service How Cofunds helps you make regular payments by selling from your investments Before setting up a Sale for Regular Payment you must
More informationYOUR QUESTIONS ANSWERED.
PENSION FREEDOMS YOUR QUESTIONS ANSWERED. We ve put together some information to help you understand the options available if you re thinking about accessing your pension pot. This booklet should be read
More informationKey Features of the Guaranteed Pension Annuity
Key Features of the Guaranteed Pension Annuity Please read this document along with your personal illustration (if you have one) before you decide to buy this plan. It's important you understand how the
More informationPOLICY SUMMARY. Over 50s Life Insurance
POLICY SUMMARY Please keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. AA Over 50s Life Insurance is provided by Legal & General.
More informationACCESSING YOUR PENSION POT.
STAKEHOLDER PENSION PLAN ACCESSING YOUR PENSION POT. We ve put together some information to help you understand the options available to you and things you need to consider. You should think about this
More informationKey features of the Investment Bond
Key features of the Investment Bond Helping you decide This important document gives you a summary of the Sterling Investment Bond. Please read this with your illustration before you decide to invest,
More informationPROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK.
PROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK. Technical Guide Discretionary Trust Deed PROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK 2 INTRODUCTION. This guide has been written to explain what a Discretionary
More informationKEY FEATURES OF THE GROUP PERSONAL PENSION PLAN
KEY FEATURES OF THE GROUP PERSONAL PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information to help you to decide
More informationILL HEALTH LIABILITY INSURANCE PLAN FOR LOCAL GOVERNMENT PENSION SCHEMES.
GROUP PROTECTION ILL HEALTH LIABILITY INSURANCE PLAN FOR LOCAL GOVERNMENT PENSION SCHEMES. Helping you understand our plan and policy. This is an important document which we suggest you keep in a safe
More informationSummary of main changes to terms and conditions
Summary of main changes to terms and conditions Introduction Since you joined the pension plan, we have changed how we manage it on a day-to-day basis to take into account changes in legislation, regulation
More informationKey Features of the Options ISA. - Anytime Access option - Fixed Term option
Key Features of the Options ISA - option - option The Financial Conduct Authority is a financial services regulator. It requires us, Police Mutual, to give you this important information to help you decide
More informationPOLICY TERMS AND CONDITIONS.
OVER 50s LIFE INSURANCE POLICY TERMS AND CONDITIONS 1 POLICY TERMS AND CONDITIONS. T&C 17 OVER 50 S LIFE INSURANCE ADDENDUM ALTERATION TO YOUR POLICY TERMS AND CONDITIONS. It is important to read through
More informationAegon Platform key information document
For customers Aegon Platform key information document Including the Aegon ISA and Aegon General Investment Account key features documents The information that follows is accurate to the best of our knowledge
More informationContents Key features of the Pension Annuity 2
Pension Annuity Key features This brochure outlines the key features of our Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just, to give you this important
More informationGeneral Mortgage Conditions
General Mortgage Conditions England and Wales 2013 Introduction Over the following pages, you ll find the general conditions of your mortgage. This booklet is very important because it forms part of the
More informationKEY FEATURES OF THE INDIVIDUAL STAKEHOLDER PENSION PLAN
KEY FEATURES OF THE INDIVIDUAL STAKEHOLDER PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information to help you
More informationPOLICY TERMS AND CONDITIONS.
INCOME PROTECTION BENEFIT POLICY TERMS AND CONDITIONS. T&C 20 2 INCOME PROTECTION BENEFIT CONTENTS. 1. DEFINITIONS EXPLAINED 4 2. INTRODUCTION 6 3. COVER PROVIDED 6 3.1 Who is covered 3.2 Period of cover
More informationOver 50s Life Insurance Plan
Over 50s Life Insurance Plan Policy Conditions Introduction These policy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It s important that you read them carefully
More informationMEMBER S POLICY BOOKLET.
STAKEHOLDER PENSION SCHEME MEMBER S POLICY BOOKLET. Stakeholder Pension Plan including the Group Stakeholder Pension Plan. This is an important document. Please keep it safe for future reference. 2 STAKEHOLDER
More informationShare Contribution Key Facts. This is an important document which you should keep in a safe place. You may need to read it in future.
Share Contribution Key Facts This is an important document which you should keep in a safe place. You may need to read it in future. Contents 3 Using this document 4 Aims, commitments and risks 5 Questions
More informationThinking of cashing-in your Plan? Please think about the alternatives first
Thinking of cashing-in your Plan? Please think about the alternatives first We know you re thinking about cashing-in your plan, but before you go ahead you may want to consider some other choices. Please
More informationKey Features of the PruFund Investment Plan Mark 3
Key Features of the PruFund Investment Plan Mark 3 If you are applying on, or after, 1 January 2018, you should read our Key Information Document and relevant Investment Option Document(s). Welcome Contents
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationUSING IPS. START. This document gives you information about using IPS to manage and make changes to your investment.
LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) USING IPS. This document gives you information about using IPS to manage and make changes to your investment. START USING THIS DOCUMENT. This document gives
More informationHELPING CLIENTS WITH EXPERT ADVICE
INCOME PROTECTION ADVISER GUIDE HELPING CLIENTS WITH EXPERT ADVICE People are well aware of what could happen if they were unable to work, so they also understand the value of a protection product. However,
More informationKey Features of the Prudential Investment Plan
Key Features of the Prudential Investment Plan Also applicable to additional investments made after 11 November 2013 If you are applying on, or after, 1 January 2018, you should read our Key Information
More informationYOUR GUIDE TO PENSION TRANSFERS INFORMED.
YOUR GUIDE TO PENSION TRANSFERS INFORMED. This guide is all about the things you need to think about if you re considering transferring your pension. It s about helping you to weigh up the pros and the
More informationKey Features of the Prudential Onshore Portfolio Bond
Key Features of the Prudential Onshore Portfolio Bond If you are applying on, or after, 1 January 2018, before you invest in this product you should read our Key Information Document, relevant Investment
More informationKEY FEATURES OF CORE INVESTMENTS
KEY FEATURES OF CORE INVESTMENTS The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information to help you to decide whether our
More informationRetirement Account. Key Features of the
Key Features of the Retirement Account The Financial Conduct Authority is a financial services regulator. It requires us, ReAssure, to give you this important information to help you decide whether our
More informationCOMBINE YOUR PENSIONS
COMBINE YOUR PENSIONS PAGE 1 INTRODUCTION PAGE 2 WHY COMBINE MY PENSIONS WITH SCOTTISH WIDOWS? PAGE 3 ARE THERE ANY PENSIONS THAT CAN T BE COMBINED? PAGE 4 THINGS TO CONSIDER PAGE 8 USE ILLUSTRATIONS PAGE
More informationCopies or derivatives of the document may not be sold, marketed, or used for commercial gain.
IMPORTANT INFORMATION This information may be downloaded to your PC in whole or in part provided that any reproduction or copy, or any derivative, is true to the original, and it is EITHER used for personal
More informationKey features of the Zurich Junior Stocks and Shares ISA
Key features of the Zurich Junior Stocks and Shares ISA Contents Helping you decide This important document gives you a summary of the Zurich Junior Stocks and Shares ISA. Please read this before you decide
More informationKEY FEATURES. Helping you to keep your lifestyle safe when your income isn t.
LIFESTYLE COVER INSURANCE LIFESTYLE COVER INSURANCE POLICY SUMMARY 1 KEY FEATURES. Helping you to keep your lifestyle safe when your income isn t. USEFUL PHONE NUMBERS. GENERAL ENQUIRIES: 0370 900 3119
More informationImportant information. AVC (Additional Voluntary Contribution) Key Features Illustration
Important information AVC (Additional Voluntary Contribution) Key Features Illustration About this Key Features Illustration The Financial Conduct Authority is a financial services regulator. It requires
More informationOver 50s Life Cover Policy Summary
Over 50s Life Cover Policy Summary This summary lays out the key benefits and limitations of Royal London s Over 50s Life Cover. Just to be clear, this booklet is only a summary of your policy and does
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP PERSONAL PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP PERSONAL PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust
Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether
More informationKEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN
KEY FEATURES OF THE RETIREMENT SOLUTIONS GROUP STAKEHOLDER PENSION PLAN The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationOver 50s Life Cover Terms and Conditions
Over 50s Life Cover Terms and Conditions Contents How does my Over 50s Life Cover work?... page 3 How to make a claim... page 5 Making changes... page 7 How to complain... page 9 Cancelling your policy...
More informationContents Key features of our Fixed Term Annuity 2 Risks 2 Questions and answers 4 More information 10
Fixed Term Annuity Key features This brochure outlines the key features of our Fixed Term Annuity. The Financial Conduct Authority is a financial services regulator. They require us, Just, to give you
More informationYourLife Plan Term Assurance Key Facts
YourLife Plan Term Assurance Key Facts Contents Section A: About YourLife Plan Page A1 What is YourLife Plan? 4 A2 YourLife Plan s aims 4 A3 How does YourLife Plan - 4 Term Assurance work? A4 Your commitment
More informationKey Features of the Prudential International Investment Bond
Key Features of the Prudential International Investment Bond If you are applying on, or after, 1 January 2018, it is important that you read our Key Information Document and relevant Investment Option
More informationFUND SWITCH AND REDIRECTION FORM.
GROUP STAKEHOLDER PENSION AND GROUP PERSONAL PENSION 2000 SCHEMES FUND SWITCH AND REDIRECTION FORM. IMPORTANT INFORMATION AND CONDITIONS 1. Before you fill out this form did you know that you can manage
More informationCustomer Guide Prudence Inheritance Bond
Customer Guide Prudence Inheritance Bond Prudence Inheritance Bond Inheritance tax might be called the voluntary tax as there is much that you can do to reduce it or not pay it at all. Inheritance Tax
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool
Guide to trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and benefits of our
More informationKEY FEATURES OF THE INVESTMENT BOND FOR INCREMENTS TO POLICIES TAKEN OUT ON OR AFTER 6TH DECEMBER Important information you need to read
KEY FEATURES OF THE INVESTMENT BOND FOR INCREMENTS TO POLICIES TAKEN OUT ON OR AFTER 6TH DECEMBER 2010 Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR.
More informationKEY FEATURES OF THE NFU MUTUAL FLEXIBOND INVESTMENTS
KEY FEATURES OF THE NFU MUTUAL FLEXIBOND INVESTMENTS The Financial Conduct Authority is a financial services regulator. It requires us, NFU Mutual, to give you this important information to help you decide
More informationFIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS TERMS AND CONDITIONS.
FIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS TERMS AND CONDITIONS. 2 FIXED TERM RETIREMENT PLAN TERMS AND CONDITIONS CONTENTS 1 ABOUT YOUR PLAN 3 1.1 Meaning of words 3 1.2 Legal agreement 3 1.3 The
More informationKEY FEATURES OF THE STAKEHOLDER PENSION PLAN. Important information you need to read
KEY FEATURES OF THE STAKEHOLDER PENSION PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More information