KEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read
|
|
- Garry Gibson
- 8 years ago
- Views:
Transcription
1 KEY FEATURES OF THE MORTGAGE REVIEW PLAN Important information you need to read
2 THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS IMPORTANT INFORMATION TO HELP YOU TO DECIDE WHETHER OUR MORTGAGE REVIEW PLAN IS RIGHT FOR YOU. YOU SHOULD READ THIS DOCUMENT CAREFULLY SO THAT YOU UNDERSTAND WHAT YOU ARE BUYING, AND THEN KEEP IT SAFE FOR FUTURE REFERENCE. THESE KEY FEATURES SHOULD BE READ IN CONJUNCTION WITH YOUR KEY FEATURES SCHEDULE. FULL DETAILS ARE CONTAINED IN THE PLAN RULES AVAILABLE FROM US ON REQUEST. ITS AIMS To provide a cash lump sum in addition to your existing Mortgage Plan(s) to repay the mortgage amount covered in full or in part, at the end of the term. YOUR COMMITMENT You agree to make monthly premiums by direct debit over the term of the plan. If you selected the Waiver of Premium option on your original Mortgage Plan you will automatically be covered for Waiver of Premium on this Plan. If you make a claim, you must continue your premiums to all your Plans for the first 26 weeks of your disability. RISKS This Plan may be used together with your existing Mortgage Plan(s) to pay off an outstanding mortgage liability in the event of death. However, they may not be sufficient to cover any early redemption charges imposed by your mortgage lender. Should the lender be unwilling to waive such charges, they may have to be met from other sources. We will regularly review the performance of this Plan in conjunction with your existing Mortgage Plan in accordance with the Plan Rules. This is to check whether the Plans in total are on target to repay the required cash lump sum at the end of the term. If they aren t, we will inform you of the options you have. Even with these reviews, the value of this Plan and your other plans at the end of the term will depend on the performance of the investment fund(s) you have selected. If the proceeds are less than the Sum Assured, you will be responsible for the shortfall. The value of your plan can go down as well as up and you could get back less than you invested. You re likely to get back less than you invested if you cash in your plan in the early years. The plan can invest in a range of investment funds that carry different types and levels of risk. For details of the specific risks that apply to each investment fund, please see our guide Fund aims and facts. You should read this guide before making any investment decisions. In certain circumstances, there maybe a delay if you cash in your plan or switch between investment funds. We assume a specific level of charges when calculating the figures shown in your key features schedule, but these may turn out to be higher. This is a non-qualifying Plan. There may be a liability to income tax on the proceeds of this Plan. Further details can be found within the Further Information section of this document, under Tax. The current tax treatment of your plan is described in this document but tax rules may change in the future. 1
3 QUESTIONS & ANSWERS AM I COVERED FOR ILLNESS OR DISABILITY? Not automatically. However: If you have selected the Living Cover option on your original Mortgage Plan, 101% of the bid (selling) value of the units attached to this Plan will be paid if you are diagnosed as having one of a number of specified disabilities or conditions (further details can be found in the Plan Rules). If you have selected the Waiver of Premium option on your original Mortgage Plan, the premiums to your Mortgage Review Plan will also be maintained by us up to age 65 if you are unable to work through illness or disability after a deferred period of 26 weeks. CAN I BE SURE THAT MY PLANS WILL REPAY MY LOAN? No. The Mortgage Review Plan does not guarantee to pay a fixed amount on maturity. However: Your Plans are designed to achieve the required amount to repay the outstanding loan covered, provided you follow any future review proposed. You will be liable for any shortfall which occurs, if the proceeds of your Plans are less than the amount required to repay your mortgage. We will regularly review the performance of your existing Mortgage Plan(s) and your Mortgage Review Plan(s) to check whether they are on target. We will regularly keep you informed regarding the progress of your Plans. If your Plans are not on target, we will inform you of the options that are available. WHAT HAPPENS IF I DIE? 101% of the bid (selling) value of the units attached to your Plan on the valuation day after we receive written notification of the death will be paid. (This will be in addition to the death benefit payable from your original plan(s).) On a Joint Life Plan, the benefits will be paid on the first of the lives assured to die. WHAT IF I STOP PAYING? If you stop paying premiums, the Plan will be made paid-up. A period of 30 days will be given before this action is taken. A paid-up policy fee may be charged. The value of this Plan will continue to depend on investment performance and the charges we make. These charges could reduce the value of your Plan to zero. Reviews will stop on this Plan and your original Mortgage Plan. WHAT IF I CASH-IN MY PLAN EARLY? If you cash-in (surrender) your Plan, you will receive the value of the units in your Plan at their current bid (selling) price. There may be a liability to tax on the proceeds of this Plan. Further details can be found within the Further Information section of this document, under Tax. JARGON BUSTER Units Units are like shares in a fund. The price of each unit depends on the value of the investments held by the fund and the number of units in it. Unit prices can be found on the Scottish Widows website The offer price is the price at which units are bought and the bid price is the price to look at when calculating how much your units are worth. 2
4 WHAT HAPPENS IF I MOVE HOUSE? If you move home, your Plan can still be used to repay part or all of a new mortgage. WHAT ARE THE DEDUCTIONS FOR? These cover the cost of the following benefits and services: managing the investments in your chosen funds buying and selling the investments administration of your Plan Waiver of Premium, if applicable. WHAT RULES APPLY TO MY KEY FEATURES SCHEDULE? Your key features schedule is part of your Key Features document. The following points relate to this schedule: for the purposes of illustration, the figures shown in the key features schedule have been calculated assuming the units are invested in a typical investment fund throughout the full term of the Plan the key features schedule shows what your Plan benefits may be in the future, but these are only illustrations and do not represent an actual offer the illustrations are valid for 30 days unless you have a birthday during this period the premium shown assumes that the life or lives to be assured are acceptable at smoker or non-smoker rates, as indicated a copy of the Plan Rules is available on request free of charge from Scottish Widows at the address on page 5. 3
5 FURTHER INFORMATION JOINT PLANS Where you take a Plan out with someone else, you jointly own the Plan and we will always need both signatures on any instruction. If one of you no longer has an interest in the Plan, a formal assignment will be required to change the ownership. WHAT HAPPENS NEXT? Please read this Key Features document carefully before signing the nomination form. Even after your nomination has been accepted you will still have an opportunity to change your mind if you wish to. CAN I CHANGE MY MIND? After your nomination is accepted, and once your Plan has started, you will receive a Notice of Your Right to Cancel. You will then have 30 days in which you can change your mind. If you do cancel, any premiums you have paid to this plan will be returned, and the policy will be cancelled. If you don t cancel, the plan will continue and we ll collect the premiums you ve agreed to make. INVESTMENT FUNDS AND THEIR RISKS Your payments will buy units in one or more of the investment funds available from Scottish Widows. Further details of the funds available and their risks can be obtained from our Customer Services Department at PO Box 28091, 15 Dalkeith Road, Edinburgh. EH16 5XZ or call us on If the value of the units increases, the value of your Mortgage Review Plan also increases. If the value of the units go down so does the value of the Plan. These funds invest in a wide range of stocks, shares, property and cash, both in the UK and overseas. The value of the investment is not guaranteed and may go up and down depending on investment performance (and currency exchange rates where a fund invests overseas) and you could get back less than you invested. CHARGES We charge for managing and investing the plan. We take our charges partly from your premium(s), and partly from the value of the plan. Your key features schedule shows how charges might affect what you might get back. We can change, at any time, most of the charges we make. We may do this if our costs turn out to be unexpectedly high, compared to our charges. Your charges could increase if: a tax rule or law change increases our costs or decreases our income from charges; our staff or overhead costs are more than we anticipate; or our income from charges is less than we anticipate. TAX Scottish Widows is liable to Corporation Tax on the investment income and realised gains of the funds. As a result, the benefits payable are usually free from any personal liability to UK Capital Gains Tax or basic rate Income Tax. This is a non-qualifying plan. If you are a higher or additional rate taxpayer or any gain from this plan makes you a higher or additional rate taxpayer, there may be a liability to income tax at the difference between the basic rate and higher rate(s) of tax on death, maturity or surrender of your Plan or on payment of the Living Cover benefit, if applicable. If there s a tax liability when the plan pays out, any entitlement you may have to the personal allowance, Age Allowance or Child and/or Working Tax Credit may be affected. Tax treatment depends on your individual circumstances and may be subject to change in future. 4
6 HOW TO CONTACT US OTHER INFORMATION If you ve any questions, or any changes you want to make to your plan, please contact us. You can phone us, send us a fax, or write to us. Call us on during the following times: Monday to Friday 8.00am 6.00pm Saturday 9.00am 12.30pm We may record and monitor calls to help us to improve our service. Fax number Website Office address Scottish Widows, 15 Dalkeith Road, Edinburgh EH16 5BU HOW TO COMPLAIN If you ever need to complain, please contact us. If you re not satisfied with our response, you can complain to: Financial Ombudsman Service, Exchange Tower, London, E14 9GE Tel complaint.info@financial-ombudsman.org.uk Website Complaining to the Ombudsman won t affect your legal rights. We ll communicate with you in English. 5
7 LAW The plan is governed by the laws of England and Wales. The information contained in this Key Features document represents Scottish Widows interpretation of the law and HM Revenue and Customs practice as at date of publication. Changes to tax rules and other laws may affect your contract terms. MONEY LAUNDERING REGULATIONS Under these regulations, there is a requirement to prove the identity of people who wish to effect a life, pension or investment product. You may therefore be asked to supply documents as evidence of your identity and your address. COMPENSATION Your plan with Scottish Widows is fully covered by the Financial Services Compensation Scheme. More information about compensation arrangements is available from the Financial Services Compensation Scheme, who can be contacted on or or via their website at HOW TO CLAIM You can notify us of a claim in writing at the address on page 5 or by contacting us on At this stage we will write to you to explain what you should send us. It is very important that you keep your policy documents in a safe place as these contain important information about what is covered under your plan. We may record or monitor calls to help us improve our service. TERMS AND CONDITIONS These Key Features give a summary of the Mortgage Review Plan. They don t include all the definitions, exclusions and terms and conditions. Full terms and conditions of each benefit are given in the Plan Rules which are available on request from Scottish Widows. Charges, terms and limits may change. 6
8 Scottish Widows Limited. Registered in England and Wales No Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number /15
KEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT. Important information you need to read
KEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR.
More informationKEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT PORTFOLIO BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION
More informationKEY 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 informationlife insurance KEY FEATURES of your Plan
mortgage life insurance KEY FEATURES of your Plan Please read this information carefully ASDA Life Insurance plans are provided by Scottish Widows plc. These Key Features give you the main points about
More informationlife insurance KEY FEATURES of your Plan Please read this information carefully
life insurance KEY FEATURES of your Plan Please read this information carefully ASDA Life Insurance plans are provided by Scottish Widows plc. These Key Features give you the main points about the Scottish
More informationKEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read
KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO
More informationHomeplan Key Features
Homeplan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard Life, to give
More informationKEY FEATURES OF THE PERSONAL PENSION (TOP UP PLAN) Important information you need to read
KEY FEATURES OF THE PERSONAL PENSION (TOP UP PLAN) Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU
More informationKey facts of. AA Life Insurance. Provided by Friends Provident. AA Life Insurance
Key facts of AA Life Insurance Provided by Friends Provident AA Life Insurance AA Life Insurance AA Life Insurance is provided by Friends Provident. We, us and our in this document mean Friends Provident.
More informationKey Features of the Guaranteed Whole of Life Plan
Key Features of the Guaranteed Whole of Life Plan Guaranteed Whole of Life Plan Key Features The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance
More informationKey Features of the Scottish Widows range of Open Ended Investment Company (OEIC) Funds
Mutual Funds Key Features of the Scottish Widows range of Open Ended Investment Company (OEIC) Funds Key Features These Key Features give you the main points about our range of Open Ended Investment Company
More informationKEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE. Important information you need to read
KEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS,
More informationThe Personal Range Key Features of the Individual Personal Pension Transfer Value Account
The Personal Range Key Features of the Individual Personal Pension Transfer Value Account Reference MPEN11/F 07.15 The Financial Conduct Authority is a financial services regulator. It requires us, Friends
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 informationPolicy Summary of Life Cover
Policy Summary of Life Cover FLIP/4573/Jan14 This policy summary contains key information about Friends Life Individual Protection Life Cover. You should read this summary carefully and keep it in a safe
More informationPost Office Life Insurance
Post Office Life Insurance Key Information Pack Contents 1. Information Disclosure Document Pg 2 2. Data Protection statement Pg 3 3. Customer Due Diligence Prevention of Money Laundering statement Pg
More informationISA and Personal Portfolio
ISA and Personal Portfolio Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationImportant 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 informationImportant information. Key Features of the Flexible Life Plan (top-up payments)
Important information Key Features of the Flexible Life Plan (top-up payments) > Contents About this booklet 4 About the Flexible Life Plan (top-up payments) 4 Its aim 5 Your commitment 5 Risks 6 Questions
More informationPurchased Life Annuity Key Features
Purchased Life Annuity Purchased Life Annuity Key Features This document shows the main points about your annuity. Please read it with your Personal Example and keep them with your documents relating to
More informationPost Office Money Free Parent Life Cover
Post Office Money Free Parent Life Cover Terms & Conditions Contents page About our insurance services 2 Demands and needs 2 Key Features 3 Plan conditions (Ts & Cs) 5 Important information 6 Post Office
More informationCapital 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 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 informationAA 50 Plus Life Insurance
Key facts of AA 50 Plus Life Insurance Including information about the funeral benefit option The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life
More informationKEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) 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 informationKey Features of the Immediate Lifetime Care Term Assurance Plan
Key Features of the Immediate Lifetime Care Term Assurance Plan Reference LTCKFDIMMTA 10.14 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Limited, to give
More informationTHE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)
IMPORTANT DOCUMENT PLEASE READ THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA) NON-ADVISED 02 The With Profits Individual Savings Account (ISA) KEY FEATURES OF THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT
More informationAA 50 Plus Life Insurance
Key facts of AA 50 Plus Life Insurance The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important information to help
More informationFlexible Life Plan Key Features
Flexible Life Plan Flexible Life Plan Key Features This document shows the main points about your plan. Please read it with your personal illustration and keep it with the other documents relating to your
More informationKey Features of the Term Assurance Plan
Key Features of the No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you should contact a financial adviser
More informationKey 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 informationGroup Additional Voluntary Contributions Plan Key features
Group Additional Voluntary Contributions Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator.
More informationLifetime Annuity and Scheme Pension Key Features
Lifetime Annuity and Scheme Pension Lifetime Annuity and Scheme Pension Key Features This document shows the main points about your policy. Please read it with your Personal Example and keep them with
More informationTax Advantaged Life Assurance Plan
Key features of the Tax Advantaged Life Assurance Plan NP120003A01 (PW119130A01) Tax Advantaged Life Assurance Plan KFD Page 1 of 10 This key features document gives you the main points about the plan.
More informationKey features. For customers One Retirement
For customers One Retirement Key features Contents Its aims 02 Your commitment 02 Risks 03 Questions and answers 04 Secure retirement income (SRI) 08 Other information 11 How to contact us 12 The Financial
More informationKey features of Tesco Bank Over 50 s Life Assurance
Key features of Tesco Bank Over 50 s Life Assurance Key features of Tesco Bank Over 50 s Life Assurance Tesco Bank Over 50 s Life Assurance is provided by Aviva Life & Pensions UK Limited. Any references
More informationZurich Simple Life Insurance
Zurich Simple Life Insurance Terms and conditions The simple way to help protect your loved ones financially Contents 1. Who can have the plan? 3 2. When we will pay the cash sum 3 3. When we won t pay
More informationFree Standing Additional Voluntary Contributions Plan Key Features
Free Standing Additional Voluntary Contributions Plan Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator.
More informationLifetime Annuity and Scheme Pension Key Features
Lifetime Annuity and Scheme Pension Lifetime Annuity and Scheme Pension Key Features This document shows the main points about your policy. Please read it with your Personal Example and keep them with
More informationMortgage Decreasing Term Assurance Plan
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 is EITHER used for personal
More informationST. JAMES S PLACE UNIT TRUST GROUP
ST. JAMES S PLACE UNIT TRUST GROUP SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment. Words
More informationKey Features of Free Parent Life Cover
Key Features of Free Parent Life Cover The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help you to decide whether our
More informationKEY FEATURES OF PENSION PORTFOLIO SELF INVESTED PERSONAL PENSION (SIPP)
KEY FEATURES OF PENSION PORTFOLIO SELF INVESTED PERSONAL PENSION (SIPP) The Financial Conduct Authority is a financial services regulator. It requires us, Royal London, to give you this important information
More informationImmediate Vesting Personal Pension Plan Key features
Immediate Vesting Personal Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.
More informationKey Features of the Over 50s Guaranteed Protection Plan
Key Features of the Over 50s Guaranteed Protection Plan No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you
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 informationRIAS OVER 50s LIFE PLAN. Key features
RIAS OVER 50s LIFE PLAN Key features 4 RIAS OVER 50s LIFE PLAN Our aims To pay a guaranteed lump sum to your estate if you die after you ve had the plan for two years. To pay a guaranteed lump sum to your
More informationRetirement Account Plan Key features
Retirement Account Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationGuaranteed Annuity. Key Features. This is an important document and you should read it before deciding whether to buy your pension annuity from us
Guaranteed Annuity Key Features This is an important document and you should read it before deciding whether to buy your pension annuity from us 2 Purpose of this document Guaranteed Annuity Key Features
More informationISA and Investment Funds Key Features
ISA and Investment Funds Key Features From Standard Life through Standard Life Client Management This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationSUMMARY Life Insurance
POLICY SUMMARY Life Insurance 1 POLICY SUMMARY: LIFE INSURANCE PROVIDED BY THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED ( ROYAL LONDON ) Important information you need to read The Financial Conduct
More informationOffshore Savings Account Key Features
Offshore Savings Account Offshore Savings Account Key Features This document shows the main points about your Offshore Savings Account. Please read it with your personal illustration and keep it with the
More informationi2live Annuity Key features
i2live i2live Annuity Key features This is an important document. Please read it alongside your personal illustration and the Customer Fund Guide and keep it safe for future reference. About this document
More informationISA and Investment Fund Key features
ISA and Investment Fund Key features This is an important document. Please read it and keep for future reference. The Financial Services Authority is the independent financial services regulator. It requires
More informationKEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY PROTECTION
KEY FEATURES OF THE NFU MUTUAL MORTGAGE TEMPORARY ASSURANCE POLICY PROTECTION The Financial Conduct Authority is a financial services regulator. It requires us, NFU Mutual, to give you this important information
More informationThe Personal Range Key Features of the Individual Personal Pension
The Personal Range Key Features of the Individual Personal Pension Reference MPEN11/A 04.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life and Pensions
More informationINVESTING WITH IPS. This brochure supports the Key Investor Information Document.
1 INVESTING WITH IPS LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 2 INVESTING WITH IPS WELCOME TO THE INVESTOR PORTFOLIO
More informationDECREASING TERM ASSURANCE KEY FEATURES
seeing retirement differently seeing retirement differently DECREASING TERM ASSURANCE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service
More informationActive Money Personal Pension Key Features
Active Money Personal Pension Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.
More informationJ.P. Morgan ISA and J.P. Morgan Investment Account
Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES
More informationKey Features for an additional investment into the Investment Portfolio Bond
Key Features for an additional investment into the Investment Portfolio Bond Reference XINV16/Z 22.05.2014 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life,
More informationImportant 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 informationKey features of the Zurich International Portfolio Bond
Key features of the Zurich International Portfolio Bond Helping you decide This important document gives you a summary of the Zurich International Portfolio Bond. Please read this with your illustration,
More informationST. JAMES S PLACE UNIT TRUST AND ISA
ST. JAMES S PLACE UNIT TRUST AND ISA SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment.
More informationFriends Life Protection Account Key features of Life Cover
Protection Friends Life Protection Account Key features of Life Cover Why is this document important? The Financial Services Authority is the independent financial services regulator. It requires us, Friends
More informationKey Features. of the Suffolk Life SIPP (Deed Poll Scheme)
Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable
More informationINVESTMENT BOND INCOME AND GROWTH, ALL IN ONE BOND
INVESTMENT BOND INCOME AND GROWTH, ALL IN ONE BOND PAGE 1 INVESTING GROWTH, INCOME OR A COMBINATION OF THE TWO? WHAT IS A BOND? THE INVESTMENT BOND AT A GLANCE PAGE 2 FINDING A BALANCE INVESTING FOR GROWTH
More informationKey Features of the With Profits Pension Annuity
Key Features of the With Profits Pension Annuity Key Features of the With Profits Pension Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this
More informationKEY FEATURES. CASH-OUT RETIREMENT PLAN
1 KEY FEATURES OF OUR CASH-OUT RETIREMENT PLAN CASH-OUT 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 informationFor customers Key features of the Relevant Life policy
For customers Key features of the Relevant Life policy The Financial Conduct Authority is a financial services regulator. It requires us, Aegon, to give you this important information to help you to decide
More informationOnshore Bond for Wrap Key Features
Onshore Bond for Wrap Key Features This is an important document. Please read it and keep it along with your personal illustration for future reference. The Financial Conduct Authority is a financial services
More informationGuide 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 informationPOLICY TERMS AND CONDITIONS.
TERM ASSURANCE POLICY TERMS AND CONDITIONS. T&C 60 2 TERM ASSURANCE POLICY TERMS AND CONDITIONS CONTENTS. 1. DEFINITIONS EXPLAINED 3 2. INTRODUCTION 4 2.1 Who is covered? 2.2 Amount of cover 2.3 Period
More informationInvestment Trust ISA and Savings Scheme Key features
Investment Trust ISA and Savings Scheme Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires
More informationKey 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 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 informationPOLICY TERMS AND CONDITIONS.
TERM ASSURANCE POLICY TERMS AND CONDITIONS. T&C 60 2 TERM ASSURANCE POLICY TERMS AND CONDITIONS CONTENTS. 1. INTRODUCTION 3 1.1 Who is covered? 1.2 Amount of cover 1.3 Period of cover 2. COVER PROVIDED
More informationInternational 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 informationInitial 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 informationKey features of Zurich Accidental Death Cover
Key features of Zurich Accidental Death Cover Contents Helping you decide This important document gives you a summary of Zurich Accidental Death Cover. Please read this and keep it for future reference.
More informationAIG Life. Over 50s Life Plan. Key Facts
AIG Life Over 50s Life Plan Key Facts Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions.
More informationPlease read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY
Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This
More informationINCOME AND GROWTH PORTFOLIO OEIC AND ISA FUNDS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT
INCOME AND GROWTH PORTFOLIO OEIC AND ISA FUNDS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT Incorporating the Terms and Conditions for the Scottish Widows Individual Savings Account (ISA) Important information
More informationKey features of the Whole Life Protection Plan
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 informationST. JAMES S PLACE UNIT TRUST GROUP
ST. JAMES S PLACE UNIT TRUST GROUP SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment. Words
More informationAIG Life. Business Protection Term Assurance. Key Facts
AIG Life Business Protection Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Business Protection A1 What is Business Protection? 4 A2 Business Protection aims 4 A3 How does Business
More informationLoan Protection Insurance. Your Loan Protection Insurance policy summary.
Loan Protection Insurance Your Loan Protection Insurance policy summary. Policy summary What is Loan Protection Insurance? Loan Protection Insurance, which is optional and not a condition of taking out
More informationGroup Flexible Retirement Plan Key features
Group Flexible Retirement Plan Key features This is an important document. Please read it and keep it for future reference. Key features document: Pages 1 21 Terms and conditions for joining: Pages 22
More informationAIG Life. Relevant Life Insurance. Key Facts
AIG Life Relevant Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Relevant Life Insurance A1 What is Relevant Life Insurance is 4 A2 How Relevant Life Insurance works 4 A3 Your
More informationSupplementary Investor Information Document for the Clerical Medical Open Ended Investment Company
Supplementary Investor Information Document for the Clerical Medical Open Ended Investment Company This Supplementary Investor Information Document (SIID) is designed to be read alongside the relevant
More informationAIG Life. YourLife Plan Term Assurance. Key Facts
AIG Life YourLife Plan Term Assurance Key Facts Contents Page Welcome to AIG 3 Section A: About Term Assurance A1 What is Term Assurance? 4 A2 Term Assurance aims 4 A3 How does - Term Assurance work? 4
More informationLV= LIFE LV= LIFE INSURANCE. Policy Summary
LV= LIFE LV= LIFE INSURANCE INSURANCE Policy Summary LV= Life Insurance Policy Summary In this summary, we try to help you by giving you the key facts of the plan. It doesn t set out the full terms and
More informationKey features of the Income Protection Plan Helping you decide
Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have
More informationKey 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 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 informationOver 50s Life Insurance with the Lifetime Payback Guarantee
Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions Welcome to British Seniors We all want the best for our loved ones. Now that you have chosen British
More information