Full and Partial Cash-In Form

Size: px
Start display at page:

Download "Full and Partial Cash-In Form"

Transcription

1 Full and Partial Cash-In Form Full and Partial Cash-In Form Please use black ink and write in CAPITAL LETTERS or tick as appropriate. Any corrections must be initialled. Please do not use correction fluid as this will invalidate your withdrawal request. About This this form Form If you want a full or partial withdrawal of this plan please call us on : or , if phoning from abroad. Our lines are open between 8am to 6pm Monday to Friday. We might be able to process your request over the telephone. We will advise you on the telephone if we need you to complete this form. Before completing this form please read Section 5 Important information. This form can be used for one of the following four Options: Option 1: Partial cash-in equally across all policies within the bond/plan Option 2: Fully cash-in individual policies and partial cash-in of the remainder Option 3: Fully cash-in individual policies within the bond/plan Option 4: Fully cash-in all policies within the bond/plan Note: this cash-in form cannot be used for PruFund Investment Plan. Please read notes 1 & 2 in Section 5 Important information. Section 1 Personal details Policy Number(s) Policy Owner(s) On the Life/Lives of Your (policy owner) telephone number (This is required in case we need to contact you regarding this request). Page 1 of 6

2 Section 2 Withdrawal options Please select one of the following four Options. Note: once we have carried out your request we are unable to reverse it. Please complete only one Option. For any partial cash-in from a Plan invested in a PruFund fund please see note 9 in Section 5 Important information. Option 1: Partial cash-in equally across all policies within the bond/plan Take a partial cash-in sum of withdrawn equally across all policies within the bond or plan. Please note, where units are held in more than one fund, units will be cancelled in proportion to the value of each fund unless you state otherwise below Enter the name of the fund(s) and the percentage of the withdrawal you would like to take from the fund(s) if units are not to be cancelled proportionately from all funds held. Fund % If you take Natural Income from our Distribution Income Funds (available through the Prudential Investment Plan and the Flexible Investment Plan), and cash-in the full value of any Distribution Income Funds, the attaching units held in the Distribution Cash Fund will be cashed-in at the same time. With Reference to Option 2 Please note that unless you indicate on Page 1 in the Policy Number(s) part of Section 1 which policy numbers are to be fully cashed in, Prudential will automatically fully cash-in the maximum number of policies. (See note 2 and 3 in Section 5 Important information). Option 2: Fully cash-in individual policies and partial cash-in of the remainder Fully cash-in individual policies within a bond or plan and partial cash-in taken equally from the remaining policies to achieve a cash-in amount of: Option 3: Fully cash-in individual policies within the bond/plan Fully cash-in the following specified policies: Fully cash-in the above mentioned bond/plan Policy No(s) to be cashed-in Option 4: Fully cash-in all policies within the bond/plan Please tick Payment by cheque will normally take longer to credit an account than the recommended Direct Credit method. Page 2 of 6

3 Section 3 Bank/Building Society payment details This information must be provided before payment can be made. Payee Details Full of Payee(s) (please provide name of company if applicable) If more than one payee, the address, including postcode, of each payee is required. Full address of payee(s) including postcode Direct Credit is the recommended method of payment. A written statement will be issued to you immediately following the transaction. By Direct Credit to my/our Bank Building Society account of Bank/Building Society Sort Code of bank or Building Society Account Number Roll Number (if applicable) Account Holder(s) (s) If we are unable to verify the bank details provided or details are missing, then a cheque may be issued to you at the address on record in order to avoid a delay. OR Cheque payable to the Policyholders(s), Solicitors, Financial Adviser or financial institution: If you would like payment to be made by cheque to the Policyholder(s), a client money account of a Solicitor, Financial Adviser or paid to a recognised financial institution then please complete the cheque payment details below. Payment by cheque will normally take longer to credit an account than the recommended Direct Credit method. By cheque payable to and sent to (address) Please note payments cannot be made to third parties (except Financial Adviser client accounts and financial institutes). Page 3 of 6

4 PART Section <X> 4 Checklist Sub Heading and payment declaration If we receive all the relevant completed paperwork by mid-day on a working day, we'll normally process it at the price determined later that day; if we receive it after mid-day, we'll normally process it at the price determined the next working day. A working day is any day that the London Stock Exchange is open for dealings, and, at our discretion, any day on which it would normally be open but for a temporary closure. Please refer to notes 9 & 11 in Section 5 Important information. Additional units may be cashed to meet any charges. Please refer to notes 4 & 5 in Section 5 Important information. Please complete this form in full to avoid any delays in processing this request. The following checklist will help you provide us with all the correct information. The payment will be sent to you within 5 working days of receipt of this completed form. Please allow a further 3 to 5 working days for the money to clear your account. Checklist I/we have provided correct name, policy number and telephone contact details (Section 1). I/we have chosen one withdrawal option only and provided the required information (Section 2). I/we have provided details of the bank account I/we would like my/our funds to be paid into (Section 3). This withdrawal request form has been signed by all policy owners (Section 4). I/we have enclosed any identity verification documents I/we have been asked to provide in the covering letter or . Declaration > I/we confirm that I/we have read and understood Section 5 Important Information. > I/we understand how charges may apply to the requested withdrawal. > I/we understand that I/we may be liable to a tax charge if I/we pay income tax above the basic rate, or if the gain results in me/us paying income tax above the basic rate. I/we also understand that any entitlement to Higher Personal Allowance (Age Allowance) may be reduced. > I/we authorise Prudential to make payment as shown in Sections 2 and 3 of this form. This request must be signed by all the policy owners. If the policy is in trust all the additional trustees must sign also. It is a criminal offence to knowingly provide false, misleading information and/or forged documents, signatures for the purpose/intention of committing fraud and this will result in prosecution. The owner(s) must sign here. If a bond or plan is subject to trust, all trustees must sign (Please see note 1 in Section 5 Important information). Page 4 of 6

5 Section 5 Important information 1. This form must be completed by the legal owner(s) of the bond or plan and forwarded to Prudential, Lancing, BN15 8GB. If the present owner is not the original owner please submit deeds or other documents that prove ownership (e.g. Deed of Assignment). 2. Policy Numbers a. Capital Investment Portfolio and Maximum Investment Plans The investment may have been issued as a number of separate policies. Please indicate clearly from which policies units should be cashed in. Where more than one policy is involved units will be cancelled in proportion to the respective values of each policy. b. Prudential Investment Plans, Flexible Investment Plans, Prudence Prospects Bonds, Prudence Bonds, Prudence Managed Investment Bonds, Prudence Managed Bonds and Prudence Distribution Bonds The investment will usually have been issued as a number of separate identical policies. Full Cash-in: Please make clear the policy numbers to be cashed in within each bond or plan (up to 20 policies). 3. Taxation You may be liable to tax, in the form of a chargeable Gain, on the withdrawal from this Bond/Plan. If partial cash-ins together with any earlier cash-ins (including regular withdrawals and any Ongoing and Ad hoc Adviser Charges) during any policy year exceed 5% of the amount invested in the Policy, this may produce a liability to income tax above the basic rate and/or may affect any entitlement to the income tax higher age personal allowances for those aged 65 and over. It may be more advantageous to fully cash-in some of the individual policies in such circumstances (any Adviser Charge instruction currently in place may be reduced proportionately). Any withdrawals and any Ongoing and Ad hoc Adviser Charges taken up to the 5% allowance will be taken into account for a possible tax liability when the policy is finally cashed in (including on death). The surrender of a policy may produce a liability to income tax above the basic rate and/or may affect any entitlement to the income tax higher age personal allowances for those aged 65 and over. This information is based on our understanding as at November 2015, of current taxation, legislation and HM Revenue & Customs practice, all of which are liable to change without notice. The impact of taxation (and any tax relief(s)) depends on individual circumstances. Further information is available in our "Guide to tax on your investment" leaflet, which you can request by calling or visiting 4. Prudential Investment Plans, Flexible Investment Plans, Prudence Prospects Bonds, Prudence Bonds, Prudence Managed Investment Bonds, Prudence Managed Bonds and Prudence Distribution Bonds A Start Up Charge adjustment and/or Early Cash-In Charge (Discontinuance Charge), may be imposed on partial or full cash-ins, in accordance with the Policy Provisions and as explained in the product literature when the policy was taken out. For Partial Cash-ins where a Start Up Charge adjustment and/or Early Cash-In Charge (Discontinuance Charge) is applicable the monetary amount of the payment will be as requested but additional units will be cancelled to meet any charges due. If the Bond or Plan is invested in a With-Profits Fund any Start Up Charge adjustment and/or Early Cash-In Charge (Discontinuance Charge) will be applied before the calculation of any Market Value Reduction (see note 5). Please note: These cash in charges do not apply to Regular Withdrawals. If you require more information regarding your withdrawal options and how cash-in charges are applied, please refer to your Key Features document. 5. Prudential Investment Plans, Flexible Investment Plans, Prudence Prospects Bonds, Prudence Bonds, Prudence Managed Investment Bonds and Prudence Managed Bonds invested in a With-Profits Fund A Market Value Reduction (MVR) may be applied to reduce the value of a full withdrawal. Where a partial withdrawal is required, the MVR if applicable would increase the number of Units cancelled to provide the withdrawal. Whether a MVR will apply on the day the withdrawal is processed cannot be predicted and we are unable to hold a request for a withdrawal which is conditional on whether a MVR applies or not. For an explanation of the Market Value Reduction, please refer to the Key Features Document which you received with your policy documents. Prudential reserves the right to determine which Units credited to the Plan/Bond shall be realised to effect your request. 6. Flexible Investment Plans, Prudence Prospects Bonds, Prudence Bonds, Prudence Managed Investment Bonds and Prudence Managed Bonds effected after 1 January 2002 Policies started after 1 January 2002 may attract an Annual Growth Reward. A Partial Cash-in may affect your future Annual Growth Reward. Annual Growth Reward is not applicable where the policy is fully cashed in prior to the anniversary date please refer to the relevant Key Features. Page 5 of 6

6 Section 5 Important information continued 7. Prudential Investment Plans and Flexible Investment Plans Where the Return of Premium Death Benefit option (Guaranteed Minimum Death Benefit option for Flexible Investment Plans) is operative a partial cash-in will reduce this benefit please refer to the relevant Key Features. 8. The standard timescale for processing claims is 5 working days. Please note that this timescale is subject to change. If funds are required urgently then please contact our customer service department to confirm the current timescale. A further 3-5 working days should be allowed for the direct credit of payments to your bank account. Cheques are released 2 working days after the initial processing. 9. PruFund Cautious Fund, PruFund Protected Cautious Fund, PruFund Growth Fund or PruFund Protected Growth Fund (PruFund funds) For any partial or full encashment involving a PruFund fund, in exceptional circumstances we may delay cancelling units for a period of 28 days. The 28 day notice period is at the discretion of Prudential's Directors to protect the solvency of the With-Profits Fund in which the PruFund funds invest. Encashments subject to a 28 day notice period will be actioned using the unit price applying on the 28th calendar day (or the next working day if this is not a working day) following receipt of this form by Prudential. Where a 28 day notice period is to apply Prudential will contact you accordingly. In the event your encashment instruction also includes any other fund(s), when contacting you we shall also obtain instructions from you on how the other fund(s) not subject to a 28 day notice period, are to be processed. The one month delay mentioned in note 11 below may also apply. Once a partial or full encashment instruction involving a PruFund fund, is received by Prudential, and the 28 day notice applies, this instruction can not be subsequently cancelled or replaced with revised instructions. 10. Prudential Investment Plans and Flexible Investment Plans effected after 12 October 2008 Any partial cash-in of an investment in a protected PruFund fund will proportionately reduce the related Guaranteed Minimum Fund Value. 11. Possible delays in cancelling units. In exceptional circumstances we may delay cancelling units in any fund by up to one month (6 months in the case of the Property Fund or any funds that invest in buildings or land) from the date we receive your instruction. 12. Any part withdrawals taken will reduce the value of your bond/plan. If the withdrawals including any Ongoing and Ad hoc Adviser Charges are more than any overall growth achieved the value of your plan will reduce below the level of capital invested. 13. Identification Requirements It is a requirement of our regulator, the Financial Conduct Authority (FCA) that we may need to verify the identity of our customers before a withdrawal can be made (please refer to the covering letter or for confirmation). Acceptable forms are detailed below: Copy of Passport and a copy of utility bill or evidence that shows your address (i.e. solicitor's letter, council tax bill, bank statement, mortgage statement). OR Original Driving licence (including counterpart licence if photo card) and a copy of utility bill or evidence that shows your address (i.e. solicitor s letter, council tax bill, bank statement, mortgage statement). Copies If you provide copies of UK legal documents, these do not need to be certified. If however overseas documents are provided they must be certified as true copies by an attorney, a notary or an embassy consulate authority. Full terms and conditions of Prudential s bonds and plans are available from: Prudential, Prubond Claims and Servicing, Lancing BN15 8GB. "Prudential" is a trading name of The Prudential Assurance Company Limited, which is registered in England and Wales. This name is also used by other companies within the Prudential Group, Registered Office at Laurence Pountney Hill, London, EC4R 0HH. Registered number Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. DISF /2015 Page 6 of 6

Important information. Key Features of the Prudential Savings Account Top Up Investment

Important information. Key Features of the Prudential Savings Account Top Up Investment Important information Key Features of the Prudential Savings Account Top Up Investment > Contents About this booklet 4 About the Prudential Savings Account 4 Its aim 5 Your Commitment 5 Risks 5 Questions

More information

ISA full encashment or partial withdrawal request form

ISA full encashment or partial withdrawal request form ISA full encashment or partial withdrawal request form For use with Sterling ISAs only Alternatives to encashing your account You should only consider encashing your account if you have carefully reviewed

More information

Friends Life Investment Bond Guide. Provided by: Brought to you by:

Friends Life Investment Bond Guide. Provided by: Brought to you by: Friends Life Investment Bond Guide Provided by: Brought to you by: Investment Bond Guide CONTENTS Contents Introducing our Investment Bond 3 Investment Bond charges 4 Investment funds 6 Managing your Investment

More information

Example Illustrations for investment in the Prudential ISA and CF Prudential OEIC Funds

Example Illustrations for investment in the Prudential ISA and CF Prudential OEIC Funds Important Information Example Illustrations for Investment in the Prudential ISA and CF Prudential OEIC Funds Example Illustrations for in the Prudential ISA and CF Prudential OEIC Funds Important information

More information

Key Features of the International Prudence Bond (top-up payments)

Key Features of the International Prudence Bond (top-up payments) Important information Key Features of the International Prudence Bond (top-up payments) Only applicable for bonds taken out before 9 May 2011 Not for use in the UK, France, Spain or Belgium > Contents

More information

SIPP benefit form annuity purchase discharge form

SIPP benefit form annuity purchase discharge form Stockbrokers SIPP benefit form annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Management Limited to pay you a tax

More information

Sterling Investment Bond additional payment form. To be used for Standard, High allocation and No exit penalty options from 31 December 2012

Sterling Investment Bond additional payment form. To be used for Standard, High allocation and No exit penalty options from 31 December 2012 Sterling Investment Bond additional payment form To be used for Standard, High allocation and No exit penalty options from 31 December 2012 1 Your application Please make sure you complete all relevant

More information

Your With-Profits Plan a guide to how we manage the Fund Prudential Unitised With-Profits Plans and Cash Accumulation Plans

Your With-Profits Plan a guide to how we manage the Fund Prudential Unitised With-Profits Plans and Cash Accumulation Plans Your With-Profits Plan a guide to how we manage the Fund Prudential Unitised With-Profits Plans and Cash Accumulation Plans Your With-Profits Plan is a medium to long-term investment that: > combines your

More information

A guide to the Prudential International Investment Bond. Your questions answered

A guide to the Prudential International Investment Bond. Your questions answered A guide to the Prudential International Investment Bond Your questions answered > Introducing Prudential International Investment Bond When it comes to choosing an investment, you want something that will

More information

Key Features of the Prudential Investment Plan (including additional investments)

Key Features of the Prudential Investment Plan (including additional investments) Key Features of the Prudential Investment Plan (including additional investments) Applicable to plans originally taken out from 11 November 2013 Important information you need to read Braille, large print

More information

Other u please specify. National Insurance number

Other u please specify. National Insurance number Application reference number For office use only Benefit Crystallisation Event Request applying for an annuity with another provider *SFBCY0400F* For use with the Collective Retirement Account (CRA) For

More information

WITHDRAWAL/CLOSURE FORM

WITHDRAWAL/CLOSURE FORM *SFCIBWC01F* WITHDRAWALCLOSURE FORM for use with the Collective Investment Bond (CIB) WITH THIS FORM YOU CAN: close an entire CIB... section 3 make a withdrawal by selling individual policies... section

More information

pension income plus pension income plus annuity Annuity

pension income plus pension income plus annuity Annuity No ID or age evidence required pension income plus pension income plus annuity Annuity Application Form For Financial Adviser completion only Adviser Financial Services Register number Adviser email address

More information

Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form

Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form HNBPST Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form Notes on completing this form Please read the Selected Investment Funds Key

More information

E-ISA. Power of Attorney application form. Personal details. Donor. 1st Attorney Title: Mr, Mrs, Ms, Miss Other (please specify) Surname.

E-ISA. Power of Attorney application form. Personal details. Donor. 1st Attorney Title: Mr, Mrs, Ms, Miss Other (please specify) Surname. E-ISA Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power of Attorney

More information

SIPP benefit form annuity

SIPP benefit form annuity SIPP ISA Dealing Junior ISA SIPP benefit form annuity This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Youinvest to pay you a tax free lump sum. Please

More information

Life plan full or partial surrender

Life plan full or partial surrender Life plan full or partial surrender Request form NOT for use with Investment Bonds Alternatives to cancelling Depending upon your plan type, we may be able to offer alternatives to cancelling your plan;

More information

Halifax Share Dealing SIPP

Halifax Share Dealing SIPP Halifax Share Dealing SIPP Benefit form - annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity and would like AJ Bell Management Limited to pay

More information

Online Accounts. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney. Title: Mr, Mrs, Ms, Miss Other (please specify) Surname

Online Accounts. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney. Title: Mr, Mrs, Ms, Miss Other (please specify) Surname Online Accounts Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power

More information

APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S)

APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S) APPLICATION & INCOME PAYMENT FORM FOR ANNUITY QUOTATION REF: A Q INCLUDING EXISTING PRUDENTIAL PENSION FUND(S) Please add the full reference for the annuity you are accepting. Please use black ink and

More information

A guide to the Loan Trust Your questions answered

A guide to the Loan Trust Your questions answered A guide to the Loan Trust Your questions answered Contents Why might i consider using a loan trust? 3 What is the Loan Trust? 4 How the Loan Trust works 5 Choice of trust 6 The Loan Trust in action 7 Further

More information

> How does our With-Profits Fund work? > What are bonuses? > How are regular bonuses worked out?

> How does our With-Profits Fund work? > What are bonuses? > How are regular bonuses worked out? Your With-Profits Plan a guide to how we manage the Fund Conventional With-Profits Plans originally issued by Scottish Amicable Life Assurance Society (SALAS) Your With-Profits Plan is a medium to long-term

More information

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney Online Accounts Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power

More information

Benefi t Form annuity purchase discharge. Bank of Scotland Share Dealing Self Invested Personal Pension

Benefi t Form annuity purchase discharge. Bank of Scotland Share Dealing Self Invested Personal Pension Benefi t Form annuity purchase discharge Bank of Scotland Share Dealing Self Invested Personal Pension Benefi t Form This benefit form must be completed if you wish to purchase a lifetime annuity and would

More information

Important Information. Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA)

Important Information. Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA) Important Information Key Features of the Life Insurance Policy within the Prudential Individual Savings Account (ISA) The Financial Conduct Authority is a financial services regulator. It requires us,

More information

Self Invested Personal Pension. Benefit Form Annuity Purchase

Self Invested Personal Pension. Benefit Form Annuity Purchase Self Invested Personal Pension Benefit Form Annuity Purchase Important notes Taking benefi ts from your pension is an important decision. We recommend that you take advice from a regulated fi nancial adviser

More information

AXA Wealth. Uncrystallised funds pension lump sum benefit options. 1 of 5. When to use this form. Have you received advice or guidance?

AXA Wealth. Uncrystallised funds pension lump sum benefit options. 1 of 5. When to use this form. Have you received advice or guidance? AXA Wealth Uncrystallised funds pension lump sum benefit options When to use this form Please complete this form to confirm how you would like to take an uncrystallised funds pension lump sum if you have

More information

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney

Online Accounts. Power of Attorney application form. Personal details. Donor. 1st Attorney. 3rd Attorney. 2nd Attorney Online Accounts Power of Attorney application form Please read these notes before you fill in this form The account will be operated strictly in accordance with the instructions confirmed within the Power

More information

Your With-Profits Plan a guide to how we manage the Fund Prudential Conventional With-Profits Plans

Your With-Profits Plan a guide to how we manage the Fund Prudential Conventional With-Profits Plans Your With-Profits Plan a guide to how we manage the Fund Prudential Conventional With-Profits Plans Your With-Profits Plan is a medium to long-term investment that: > combines your money with money from

More information

OEIC Application Form

OEIC Application Form OEIC Application Form Please read the relevant Key Investor Information Document (KIID) and Supplementary Information Document before completing this application form. The Architas Open-Ended Investment

More information

Important information. Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme

Important information. Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme Important information Key Features of the Teachers Additional Voluntary Contributions (AVC) Scheme > Contents About this booklet 4 About the Teachers AVC Scheme 5 Its aim 5 Your commitment 5 Risks 6 Questions

More information

Please use BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate.

Please use BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate. TD Direct Investing SIPP benefit form - annuity purchase discharge form SIPP benefit form - annuity purchase discharge form This benefit form must be completed if you wish to purchase a lifetime annuity

More information

THE SIT SIPP. Self Invested Personal Pension. Benefit Form annuity purchase discharge form

THE SIT SIPP. Self Invested Personal Pension. Benefit Form annuity purchase discharge form THE SIT SIPP Self Invested Personal Pension Benefit Form annuity purchase discharge form The SIT SIPP Benefit Form - annuity purchase discharge form This benefit form must be completed if you wish to purchase

More information

SIPP benefit form drawdown and lump sum payments

SIPP benefit form drawdown and lump sum payments Stockbrokers SIPP benefit form drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a lump sum or income drawdown. If you want to take an annuity

More information

Important information. Key Features of the International Prudence Bond (Spain)

Important information. Key Features of the International Prudence Bond (Spain) Important information Key Features of the International Prudence Bond (Spain) > Contents About this booklet 3 About the International Prudence Bond 3 Its aim 4 Your investment 4 Risks 4 Questions and Answers

More information

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions Initial Charge waived 0% ISA Class R GBP Application forms 2015/2016 Terms and conditions ISA terms and conditions Definitions Account Account holding your Investments in an ISA. Additional Permitted Subscription

More information

Investment Bond full or partial surrender

Investment Bond full or partial surrender Investment Bond full or partial surrender Request form For use with Zurich Investment Bonds only Alternatives to cancelling your bond Your bond offers alternatives to cancelling; for example, a partial

More information

EXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS.

EXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS. 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 who already insure

More information

Key Features of the Local Government Additional Voluntary Contributions (AVC) Scheme for England & Wales

Key Features of the Local Government Additional Voluntary Contributions (AVC) Scheme for England & Wales Key Features of the Local Government Additional Voluntary Contributions (AVC) Scheme for England & Wales Important information you need to read The Financial Conduct Authority is an independent financial

More information

Important information. Key Features of the Retirement Annuities (Section 226 Increments) Plan

Important information. Key Features of the Retirement Annuities (Section 226 Increments) Plan Important information Key Features of the Retirement Annuities (Section 226 Increments) Plan > Contents About this booklet 4 The Financial Conduct Authority 4 Its aims 4 Your commitment 4 Risks 5 Questions

More information

APPLICATION FORM. / / / PENSION ANNUITY. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL

APPLICATION FORM. / / / PENSION ANNUITY. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL PENSION ANNUITY APPLICATION FORM. Once you ve completed this form, please return it to: Legal & General Annuities PO Box 809 Cardiff CF24 0YL We will already have sent you a quote(s), illustrating the

More information

CanRetire. Application new plan(s) (for single contributions and transfers only) Pension Investment Plan. Flexible Drawdown Plan

CanRetire. Application new plan(s) (for single contributions and transfers only) Pension Investment Plan. Flexible Drawdown Plan CanRetire Application new plan(s) (for single contributions and transfers only) Please enter the Personal Example reference number for your chosen product choice(s) FTIP Pension Investment Plan Flexible

More information

AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS

AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS Please use this form to invest in the Aviva Investors range of funds. This form cannot be used for the Aviva Investors Investment ISA.

More information

Discretionary Trust Declaration form

Discretionary Trust Declaration form Loan Trust Discretionary Trust Declaration form Please use black ink and write in CAPITAL LETTERS or tick as appropriate. Any corrections must be initialled. Please do not use correction fluid as this

More information

PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES

PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES PENSION ENCASHMENTS AND SMALL POTS ADVISED NON-GMP CASES IMPORTANT INFORMATION Please read this section carefully before completing this application form. This form can only be used where you are taking

More information

How To Get A Higher Income Pension Plan

How To Get A Higher Income Pension Plan Annuities Application and income payment form A Below Standard Lifetime Allowance Please use black ink and write in CAPITAL LETTERS or tick 4 as appropriate. Any corrections must be initialled. Please

More information

KEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read

KEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read KEY FEATURES OF THE MORTGAGE REVIEW 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 IMPORTANT

More information

Key Features of the Prudential Personal Pension Scheme

Key Features of the Prudential Personal Pension Scheme Key Features of the Prudential Personal Pension Scheme Important information you need to read The Financial Conduct Authority is the independent financial services regulator. It requires us, Prudential,

More information

Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme

Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme Key Features of the NHS Additional Voluntary Contributions (AVC) Scheme Important information you need to read The Financial Conduct Authority is a financial services regulator. It requires us, Prudential,

More information

Your With-Profits Plan a guide to how we manage the Fund Prudential With-Profits Pension Annuity Plans

Your With-Profits Plan a guide to how we manage the Fund Prudential With-Profits Pension Annuity Plans Your With-Profits Plan a guide to how we manage the Fund Prudential With-Profits Pension Annuity Plans Your With-Profits Plan is a medium to long-term investment that: > combines your money with money

More information

Capital Investment Bond Key features for additional investments only

Capital Investment Bond Key features for additional investments only Capital Investment Bond Key features for additional investments only This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services

More information

If you are a citizen of any other country, please provide country name below:

If you are a citizen of any other country, please provide country name below: Valid from March 2016 Please complete this form in BLOCK LETTERS and black ink, and return it to: FREEPOST JP MORGAN AM. An address or a stamp is not required to be added to the envelope. If you have any

More information

Zurich International Portfolio Bond. Application form for corporate organisations

Zurich International Portfolio Bond. Application form for corporate organisations Zurich International Portfolio Bond Application form for corporate organisations Application checklist Both you and your adviser must complete this application form in the appropriate place and sign the

More information

Stockbrokers. Investment ISA. Application and Transfer Form

Stockbrokers. Investment ISA. Application and Transfer Form Stockbrokers Investment ISA Application and Transfer Form Application notes This booklet contains everything you need to open and subscribe to an investment ISA with Barclays Stockbrokers. If you d prefer,

More information

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range 1 Key Features of the MetLife Bond Range

More information

Important information. Key Features of the Income Choice Annuity

Important information. Key Features of the Income Choice Annuity Important information Key Features of the Income Choice Annuity Important information The Financial Conduct Authority is a financial services regulator. Prudential is required to give you the important

More information

Pru Flexible Retirement Plan

Pru Flexible Retirement Plan For Adviser use only not approved for use with clients Adviser Guide Pru Flexible Retirement Plan Fast Facts Personal Pension and Drawdown with SIPP Options Prudential offers a personal pension and drawdown

More information

abc ESTATE PLANNING - IEP CLASSIC

abc ESTATE PLANNING - IEP CLASSIC APPLICATION FORM - NON ADVISED RETAIL OR INTRODUCED CLIENTS ONLY abc ESTATE PLANNING - IEP CLASSIC How to Complete If you are completing this form by hand, please print clearly in black ink and block capitals

More information

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR

More information

Just Retirement Fixed Term Annuity Application Form

Just Retirement Fixed Term Annuity Application Form Just Retirement Fixed Term Annuity Application Form You should make sure you ve read the Key Features Document and the Conditions of the Just Retirement Fixed Term Annuity before you apply. About this

More information

SIPP benefit form drawdown and lump sum payments

SIPP benefit form drawdown and lump sum payments TD Direct Investing SIPP benefit form drawdown and lump sum payments SIPP benefit form drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a

More information

Halifax Share Dealing SIPP

Halifax Share Dealing SIPP Halifax Share Dealing SIPP Benefit form - income drawdown and lump sum payments Please complete this form if you want to access your pension and take benefits as a lump sum or income drawdown. If you want

More information

International Bond from Standard Life International

International Bond from Standard Life International International Bond from Standard Life International Instruction to take regular withdrawals or cash-in all or part of your International Bond Who is this form for 0516 Complete this form if you wish to:

More information

Important information. Key Features of the Guaranteed Pension Annuity

Important information. Key Features of the Guaranteed Pension Annuity Important information Key Features of the Guaranteed Pension Annuity Important information The Financial Conduct Authority is a financial services regulator. Prudential is required to give you the important

More information

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares For your own benefit and protection you should read carefully Cazenove Investment Fund Company s Key Investor Information

More information

ISA Application Form (including Back-to-Back ISA option)

ISA Application Form (including Back-to-Back ISA option) Private Investors ISA Application Form (including Back-to-Back ISA option) Please note that with effect from 1 July 2014, all Individual Savings Accounts are called New ISAs or NISAs This ISA Application

More information

Benefi t Form Income Drawdown and Lump Sum Payments. IWeb Share Dealing Self Invested Personal Pension

Benefi t Form Income Drawdown and Lump Sum Payments. IWeb Share Dealing Self Invested Personal Pension Benefi t Form Income Drawdown and Lump Sum Payments IWeb Share Dealing Self Invested Personal Pension Benefi t Form Important tes Please complete this form if you want to access your pension and take benefits

More information

Dealing Account Application

Dealing Account Application Dealing Account Application To open a Dealing Account please visit www.selftrade.co.uk or complete and sign this application form and post it to the address given at the end of the form. Please read this

More information

Important information. Key Features of the Prudential International Investment Portfolio

Important information. Key Features of the Prudential International Investment Portfolio Important information Key Features of the Prudential International Investment Portfolio > Contents About this booklet 3 About the Prudential International Investment Portfolio 3 Its aim 4 Your investment

More information

Key Features of The Red Rose Friendly Society Ltd Tax Exempt Endowment With-Profits Plan

Key Features of The Red Rose Friendly Society Ltd Tax Exempt Endowment With-Profits Plan The Financial Conduct Authority and the Prudential Regulation Authority are the independent financial services regulators. They requires us,., to give you this important information to help you to decide

More information

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD Investment Bond Portfolio Contents 1 Key Features of the MetLife Investment Bond Portfolio 2 2 Guarantee Options 6 3 Other

More information

BP Individual Savings Account Transfer Application Form

BP Individual Savings Account Transfer Application Form HNTRFP BP Individual Savings Account Transfer Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing this form.

More information

Please ensure all pages of this form have been completed in BLOCK CAPITALS see checklist on the last page.

Please ensure all pages of this form have been completed in BLOCK CAPITALS see checklist on the last page. V23 24 Nov. 14 Stock Transfer form Please ensure all pages of this form have been completed in BLOCK CAPITALS see checklist on the last page. If you make any mistakes whilst completing this form, please

More information

Guide to how Abbey Life manages its unit linked life and pension funds

Guide to how Abbey Life manages its unit linked life and pension funds Guide to how Abbey Life manages its unit linked life and pension funds 1 of 8 241114(11/2014)) 1 Purpose of the guide This guide explains how our unit linked funds work and how we oversee the management

More information

International Bond Key features

International Bond Key features International Bond Key features This is an important document. Please read it and keep for future reference. Helping you decide This key features document contains important information about the main

More information

Making a Surrender Claim

Making a Surrender Claim Making a Surrender Claim Q1. What is a Surrender Claim? A surrender claim is a voluntary decision made by a policyholder to cash in their policy before the agreed term of the policy has been reached. The

More information

SIPP benefit form income drawdown and lump sum payments

SIPP benefit form income drawdown and lump sum payments SIPP ISA Dealing Junior ISA SIPP benefit form income drawdown and lump sum payments Please complete this form if you want to access your pension and take income as lump sums or income drawdown. If you

More information

APPLICATION FORM. 1. Please read the brochure and the whole of this application form, which has 10 pages.

APPLICATION FORM. 1. Please read the brochure and the whole of this application form, which has 10 pages. APPLICATION FORM managed inheritance SERVICE 1. Please read the brochure and the whole of this application form, which has 10 pages. 2. Next complete pages 2 to 5, signing on pages 2, 4 and 5. Make a copy

More information

Open Market Option Application Form

Open Market Option Application Form Guaranteed Pension Annuity Open Market Option Application Form 1. QUOTE DETAILS Quote reference Official use only Application Number 2. YOUR PERSONAL DETAILS (THE ANNUITANT) Full name including title (Please

More information

3 Why are annual bonus rates so low and when might you increase them?

3 Why are annual bonus rates so low and when might you increase them? With-profits policy performance your questions answered January 2015 PHOENIX LIFE LIMITED NPI WITH-PROFITS FUND WITH-PROFITS INVESTMENT BONDS This leaflet aims to answer questions that are often asked

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

THE SIT SIPP. Self Invested Personal Pension. Benefit Form drawdown and lump sum payments

THE SIT SIPP. Self Invested Personal Pension. Benefit Form drawdown and lump sum payments THE SIT SIPP Self Invested Personal Pension Benefit Form drawdown and lump sum payments The SIT SIPP Benefit Form - drawdown and lump sum payments Please complete this form if you want to access your pension

More information

FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER

FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER 1 THE PRUDENTIAL ASSURANCE COMPANY LIMITED Incorporated in England Reg'd No. 15454 Registered Office: Laurence Pountney Hill, London, EC4R

More information

Regular Payments to your ISA

Regular Payments to your ISA Stockbrokers Regular Payments to your ISA Application form Terms and Conditions Regular Payments 1. We will take the regular payment amount from your chosen account on the date that you have chosen or

More information

Application Form Pure Lump Sum Plan

Application Form Pure Lump Sum Plan Application Form Pure Lump Sum Plan This form is an application for a lifetime mortgage with Pure Retirement Limited. To avoid delays in processing the application, it is important that the form is completed

More information

Transfer application form

Transfer application form For customers Guaranteed Pension Annuity (tax-free cash) Transfer application form Illustration number Agent number / Agent phone number Agent fax number Agent email address Page 1 of 12 Application checklist

More information

LIABILITY CLAIM GUIDANCE NOTES

LIABILITY CLAIM GUIDANCE NOTES LIABILITY CLAIM GUIDANCE NOTES In the unfortunate event of a claim, we will do everything possible to deal with your claim promptly. In respect of claims made against you by any third party, for damage

More information

LIABILITY CLAIM GUIDANCE NOTES

LIABILITY CLAIM GUIDANCE NOTES insuring the UK s triathletes LIABILITY CLAIM GUIDANCE NOTES In the unfortunate event of a claim, we will do everything possible to deal with your claim promptly. In respect of claims made against you

More information

M&G Stock Transfer Guide Completing a Stock Transfer Form Arranging to transfer ownership of an M&G investment

M&G Stock Transfer Guide Completing a Stock Transfer Form Arranging to transfer ownership of an M&G investment M&G Stock Transfer Guide Completing a Stock Transfer Form Arranging to transfer ownership of an M&G investment Arranging a transfer and completing a Stock Transfer Form To transfer ownership of a holding

More information

2013/2014 TAX YEAR NEW SUBSCRIPTIONS. Applications must be received by 15 November 2013.

2013/2014 TAX YEAR NEW SUBSCRIPTIONS. Applications must be received by 15 November 2013. Legal & General Defined Return Plan 3 NEW ISA AND/OR DIRECT INVESTMENT APPLICATION FORM. Applications must be received by 15 November 2013. 2013/2014 TAX YEAR NEW SUBSCRIPTIONS FOR OFFICE USE Client Number

More information

Your guide to investing in the PruFund Range of Funds

Your guide to investing in the PruFund Range of Funds Your guide to investing in the PruFund Range of Funds > Contents What is the PruFund Range of Funds? 3 How do these funds work? 4 How do I invest? 6 What is the PruFund guarantee? 7 What affects the returns

More information

INSTANT SAVER 2 ACCOUNT

INSTANT SAVER 2 ACCOUNT INSTANT SAVER 2 ACCOUNT Provided by Scottish Widows Bank APPLICATION FORM This form is only for the use of personal customers. Account Number (For office use only) Please complete this form in BLOCK CAPITALS

More information

FP Matterley Investment Funds

FP Matterley Investment Funds FP Matterley Investment Funds ISA Transfer Application Form For completion by the introducing intermediary (if applicable) Advised Investment* Non-advised Investment* *Please tick as appropriate 1. Personal

More information

Account Opening Application Form. Current/Deposit

Account Opening Application Form. Current/Deposit Account Opening Application Form Account Opening Application Form Current/Deposit Guidance te Please read this guidance note before completing the form so we can process your application as quickly as

More information

EVANS CYCLES INSURANCE THEFT CLAIM GUIDANCE NOTES

EVANS CYCLES INSURANCE THEFT CLAIM GUIDANCE NOTES EVANS CYCLES INSURANCE THEFT CLAIM GUIDANCE NOTES Please note that in order to process your claim with optimum efficiency we will require receipt of the necessary documentation as outlined in the following

More information

Application form. For trustees and companies Wealth Management Portfolio. Please read these notes before completing this instruction.

Application form. For trustees and companies Wealth Management Portfolio. Please read these notes before completing this instruction. For trustees and companies Wealth Management Portfolio Application form Please read these notes before completing this instruction. About this form You should use this form if you re a company or a trust

More information

Multi-Platform Open Annuity

Multi-Platform Open Annuity Multi-Platform Open Annuity Application Form Powered by the London & Colonial... Upgradable, Capable, Flexible www.londoncolonial.com Multi-Platform Open Annuity Form To London & Colonial Assurance PLC:

More information

International Portfolio Bond for Wrap Key Features

International Portfolio Bond for Wrap Key Features International Portfolio Bond for Wrap Key Features This is an important document. Please read it and keep it along with the enclosed personal illustration for future reference. The Financial Conduct Authority

More information

A guide to the Prudential International Investment Portfolio. Your questions answered

A guide to the Prudential International Investment Portfolio. Your questions answered A guide to the Prudential International Investment Portfolio Your questions answered Whether you re a private investor, a corporate investor or a trustee, it s essential to manage your money effectively.

More information

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form HGCRPG BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing

More information