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

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

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

2 The Financial Conduct Authority is a financial services regulator. It requires us, Prudential, to give you this important information to help you decide whether the Life Insurance Policy within the Prudential ISA is right for you. You should read this booklet carefully so that you understand what you are buying. Please keep this document safe for future reference. 2 About the Prudential ISA The Prudential ISA is provided by Capita Financial Investments Limited, who is the ISA Plan Manager. Capita Financial Investments Limited is responsible for all regulatory and legal aspects of the ISA and the provision of all customer services. The Prudential ISA has two elements: (1) investment in a life insurance policy which allows access to the PruFund Funds (the Life Insurance Policy) and (2) investment in Open-Ended Investment Companies (OEICs) through the OEIC Funds. You can choose to invest in one or both elements of the Prudential ISA. This document provides you with information about the key features of the Life Insurance Policy only. Questions about the OEIC Funds or Prudential ISA in general should be directed to the ISA Plan Manager, whose details are set out in the section entitled "How to get in contact" on page 7. You don't have the right to enforce the Life Insurance Policy. The ISA Plan Manager will do that on your behalf. All your communications with Prudential should be made through the ISA Plan Manager. About the Life Insurance Policy If you choose to invest in the Life Insurance Policy within the Prudential ISA, you will be able to invest your money in a range of PruFund Funds. The Life Insurance Policy is an agreement between The Prudential Assurance Company Limited, Capita Financial Investments (Nominees) Limited and Capita Financial Investments Limited by which the PruFund Funds are made available for investment through the Prudential ISA. The Life Insurance Policy is only available via the Prudential ISA. If you invest in a PruFund Fund in the Prudential ISA through the Life Insurance Policy, the assets will be held on trust on your behalf by Capita Financial Investments (Nominees) Limited in its capacity as the ISA Plan Manager's nominee. You do not hold any direct rights under the Life Insurance Policy. If you invest in a PruFund Fund you must read this document alongside: Prudential ISA Terms and Conditions Master Insurance Agreement Customer Version Example Illustrations for investment in the Prudential ISA and CF Prudential OEIC Funds Fund Guide Prudential ISA PruFund Funds Your With-profits Plan A guide to how we manage the Fund

3 Its Aim To increase the value of your investment over the medium to long term. Your Commitment You need to make a one-off investment of at least 500 per fund or make regular monthly payments of at least 50 per month when you invest in a PruFund via the Life Insurance Policy. You can stop, restart, raise or lower payments whenever you like. You are required to keep a minimum of 500 invested in each of your PruFund Funds, although you will be able to withdraw the full value of your investment from a particular PruFund Fund at any time if you wish. Your investment is designed for investment over the medium to long term. Risks The value of an investment can go down as well as up and the value in the future may be less than the amount invested. What you receive will depend on the value of the underlying investments, the Expected Growth Rates as set by the Prudential Directors, the charges and the smoothing process. For further information, please refer to page 5. There are different risks for each of the PruFund Funds. Each fund has its own level of risk and potential growth and more information about each fund's risk profile is set out in your Fund Guide. If the total charges taken from your plan are more than any overall growth achieved, your plan will fall in value. Details of these charges can be found on page 5. For any fund, we may delay the buying, selling or switching of units. More information can be found on page 5. In the event that the PruFund Funds might be closed to new investment, wound-up or that Capita Financial Investments might cease to act as the ISA Plan Manager, you may be forced to accept a cash withdrawal equal to the value of your investment in the PruFund Funds. For more information, please refer to the Master Insurance Agreement Customer Version. 3

4 4 Q&As for the Life Insurance Policy Who can invest in the Life Insurance Policy? If you are 18 years of age or older and meet the HM Revenue and Customs UK residency rules for tax purposes, you can invest in the Life Insurance Policy within the Prudential ISA. How does my investment work? If you choose to invest in the Life Insurance Policy within the Prudential ISA, you will be able to invest your money in a range of PruFund Funds while those funds remain available. See the Fund Guide for details. The Prudential ISA also allows you to invest in other funds, currently a range of 7 OEIC Funds. For details please see the relevant Key Investor Information Documents (KIIDs) and Prospectus for the OEIC Funds.

5 What funds are available with the Life Insurance Policy? The PruFund Funds are only available through the Life Insurance Policy within the Prudential ISA and the list of PruFund Funds currently available is as follows: PruFund 0-30 Fund PruFund Fund PruFund Fund PruFund Fund PruFund Cautious Fund PruFund Growth Fund The maximum number of PruFund Funds you can hold at any one time is five. The range of PruFund Funds is designed to spread investment risk by investing in a range of different assets, and is managed by Prudential Portfolio Management Group Ltd (PMG). The PruFund Funds are with-profits funds which operate under special rules relating to the sharing of profits and the smoothing of investment returns, and form part of Prudential s With-Profits Fund, into which the premiums from a number of different types of policy are paid. Although these funds are invested in the same underlying fund, the returns on these funds may differ from the returns on the With-Profits Fund, due to the smoothing process used and differences in the asset mix and the fund objectives. The PruFund Funds are designed to deliver smoothed growth by investing in a diverse asset mix and applying a smoothing process. This aims to give a more stable rate of growth than you can expect to get if you were directly exposed to the daily changes in the performance of the underlying assets of the fund. However, the value of your investment can go down as well as up. There may be occasions where we have to suspend the smoothing process for one or more PruFund Funds to protect our With-Profits Fund and the clients invested in it. If this happens, the unit price will increase or decrease daily in line with the value of the underlying investments. Please refer to your PruFund Fund Guide and Your With-Profits Plan A guide to how we manage the Fund, which provides you with more information on smoothing. You can find out more about the PruFund Funds available, including the objectives of each fund, risk profiles and charges in your Fund Guide. Can I switch between PruFund Funds? You can switch your money between the PruFund Funds at any time. There is currently no charge for switching although we reserve the right to apply a charge in the future. The minimum amount you can switch is 500. If you're not switching the full value of your investment from a particular PruFund Fund, you must leave at least 500 in each fund(s). Switches from a PruFund Fund are subject to the following rules: All switches out of any PruFund Fund will be made 28 days after the ISA Plan Manager receives the request and using the unit prices on the 28th day. Only one switch can be made per quarter, where the quarter dates are 25 February, 25 May, 25 August and 25 November, or the next working day if the quarter date is a weekend or a public holiday. Once a request has been made it cannot be cancelled. What are the PruFund Fund charges? There is an annual management charge for each PruFund Fund which is taken by deducting a percentage of units of the relevant PruFund Fund each month. The charges cover the costs of expenses and investment charges. Charges may vary in future and may be higher than they are now. You can find information about how much we charge for each PruFund Fund in your Fund Guide. How will I know how my investment is doing? The ISA Plan Manager, Capita Financial Investments Limited, will send you a statement every six months. You can also call them on for an up-to-date valuation of your investment. 5

6 6 Can I take money out of the Life Insurance Policy? You have access to your money at any time through the ISA Plan Manager. You can make full, partial or regular withdrawals. Regular and partial withdrawals (i) must be a minimum of 50 on each occasion and (ii) if you're not withdrawing the full value of your investment from a particular fund, you must leave at least 500 in that fund. Regular withdrawals can be taken on a monthly, three monthly, six monthly or annual basis, subject to limits. They can be taken on either the 5th or 20th of each month. The maximum annual limit for regular withdrawals is 7.5% of the fund value. The minimum regular withdrawal is 50 on each occasion for each fund that you are invested in. Full or partial withdrawals, including transfers, from any of the PruFund Funds may be delayed for up to 14 days after the ISA Plan Manager receives the request, using the unit prices on the 14th day. Are there any potential delays? We may delay the buying, selling or switching of units. We would not expect delays to be any longer than reasonably necessary, and in any case no longer than the maximum period stipulated in the current applicable ISA regulations (currently 30 days). For details please see the Master Insurance Agreement Customer Version. What happens if I die? The Life Insurance Policy will pay out 100.1% of the value of your investment in the PruFund Funds. Can I change my mind? When you invest in the Life Insurance Policy within the Prudential ISA, and if you are entitled to cancellation rights, the ISA Plan Manager will send you a Cancellation Notice. You will then have up to 30 days from the date you first receive the Cancellation Notice to change your mind. For regular savings, the cancellation rights apply to the first payment. If you cancel your plan within 30 days, you will receive 100% of the amount invested in the Life Insurance Policy within the Prudential ISA from the ISA Plan Manager.

7 Other Information 7 How to get in contact Please speak to your adviser as a first point of contact. They may be able to answer or resolve any queries for you. Alternatively you can: Telephone: call the ISA Plan Manager on Website: Post: Capita Financial Administrators, 2 The Boulevard, City West One Office Park, Leeds, LS12 6NT If you would like a Braille, large print or audio version of this Key Features Document, please contact us at: Prudential Lancing BN15 8GB

8 8 How to make a complaint If you have a complaint about your Prudential ISA, please contact your adviser first. Alternatively, you can call Capita with the details of your complaint on If you d rather write, send the details to: Capita Financial Administrators 2 The Boulevard City West One Office Park Leeds LS12 6NT All complaints must be directed to Capita at the address provided. If the complaint is not handled to your full satisfaction, you can speak to the independent Financial Ombudsman Service. You can contact the Service at: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: Making a complaint to the Financial Ombudsman Service will not affect your right to take legal action. Your client category The Financial Conduct Authority is a financial services regulator. The Financial Conduct Authority asks companies to categorise their clients based on their involvement in and familiarity with financial services. This is a way of making sure the right information is sent to the right people. For example, information for an individual customer should assume less knowledge than information for a financial services company. The ISA Plan Manager categorises you as a retail client, which provides you with the highest level of regulatory protection under the FCA rules. If you have any questions about your client category, please call the ISA Plan Manager on The opening hours are 8:30am to 5:30pm Monday to Friday. Calls may be monitored or recorded for quality and security purposes. Conflict of interest A Conflict of Interest Policy is drawn up to deal with any such conflicts and ensure that business is conducted with integrity. If you would like to know the full details of the Conflict of Interest Policy, please contact the Customer Services Team on Law The Law of England and Wales applies to the Life Insurance Policy within the Prudential ISA.

9 Terms and conditions The details of the legally binding contract between you and Capita Financial Investments Limited in respect of the Prudential ISA are contained the ISA Terms and Conditions. Compensation We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our obligations in relation to the Life Insurance Policy within the Prudential ISA. This depends on your eligibility, the type of business, the fund/s invested in or the funds selected, and the circumstances of the claim. For more information on the Financial Services Compensation Scheme please refer to the ISA Terms and Conditions and the Master Insurance Agreement Customer Version. For further information, contact: The Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Telephone: or Financial Conduct Authority registration Prudential Assurance Company Limited is authorised and regulated by the FCA, FCA Register No Prudential Assurance Company Limited is the provider of the PruFund Funds. Capita Financial Investments Limited ('CFI') is authorised and regulated by the Financial Conduct Authority, FCA Register No The main business of CFI is ISA management. Further information in relation to Prudential and CFI may be obtained from the FCA Register by visiting the FCA website at You can contact the Financial Conduct Authority at: The Financial Conduct Authority 25 The North Colonnade Canary Wharf London E14 5HS Telephone: /

10 10 Notes

11

12 "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. ISAK /2015

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

Key Features of the Prudential Savings Account Top Up Investment

Key Features of the Prudential Savings Account Top Up Investment Key Features of the Prudential Savings Account Top Up Investment Important information you need to read The Financial Conduct Authority is a financial services regulator. It requires us, Prudential, to

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

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

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

Prudential ISA. A guide to the. Your questions answered

Prudential ISA. A guide to the. Your questions answered Prudential ISA A guide to the Prudential ISA Your questions answered The Prudential ISA combines tax-efficient investment with access to the unique range of PruFund funds. About the Prudential ISA Capita

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

Important information. Key Features of the Flexible Life Plan (top-up payments)

Important 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 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

INVESTING WITH IPS. This brochure supports the Key Investor Information Document.

INVESTING 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 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

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 smart + stocks & shares ISA from AXA Self Investor

Key features of the smart + stocks & shares ISA from AXA Self Investor Key features of the smart + stocks & shares ISA from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

Key features of Zurich Accidental Death Cover

Key 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 information

Key features of the smart + Trading Account from AXA Self Investor

Key features of the smart + Trading Account from AXA Self Investor Key features of the smart + Trading Account from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

THE WITH PROFITS INDIVIDUAL SAVINGS ACCOUNT (ISA)

THE 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 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

Key features of the Zurich Stocks and Shares ISA

Key features of the Zurich Stocks and Shares ISA Key features of the Zurich Stocks and Shares ISA Helping you decide This important document gives you a summary of the Zurich Stocks and Shares ISA. Please read this before you decide to invest, and keep

More information

Key features of the Zurich Stocks and Shares ISA

Key features of the Zurich Stocks and Shares ISA Key features of the Zurich Stocks and Shares ISA Helping you decide This important document gives you a summary of the Zurich Stocks and Shares ISA. Please read this before you decide to invest, and keep

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

Key features of the M&S Investment ISA and Investment Plan

Key features of the M&S Investment ISA and Investment Plan M&S INVESTMENT ISA AND INVESTMENT PLAN Key features of the M&S Investment ISA and Investment Plan INTRODUCING THE HSBC WORLD SELECTION PORTFOLIOS The Financial Conduct Authority is the independent financial

More information

Key features of the Investment Bond

Key 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 information

Key Features of the Prudential Premier Personal Pension Plan

Key Features of the Prudential Premier Personal Pension Plan Key Features of the Prudential Premier Personal Pension Plan Important information you need to read The Financial Conduct Authority is a financial services regulator. Prudential is required to give you

More information

Key Features of the Universities Superannuation Scheme Money Purchase AVC Facility

Key Features of the Universities Superannuation Scheme Money Purchase AVC Facility Key Features of the Universities Superannuation Scheme Money Purchase AVC Facility Important information you need to read The Financial Conduct Authority is a financial services regulator. It requires

More information

Key features of the Zurich International Portfolio Bond

Key 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 information

Key Features of the Guaranteed Pension Annuity

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

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.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 information

Important information. Key Features of the Prudential International Investment Portfolio (Capital Redemption Option)

Important information. Key Features of the Prudential International Investment Portfolio (Capital Redemption Option) Important information Key Features of the Prudential International Investment Portfolio (Capital Redemption Option) > Contents About this booklet 4 About the Prudential International Investment Portfolio

More information

Key features of the Zurich Retirement Account

Key features of the Zurich Retirement Account Key features of the Zurich Retirement Account Helping you decide This important document gives you a summary of the Zurich Retirement Account. Please read this before you decide to invest, and keep it

More information

The Retirement Account

The Retirement Account The Retirement Account Key Features This is an important document and you should read it before deciding whether to buy your Retirement Account from us Purpose of this document This Key Features booklet

More information

FLEXIBLE 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. 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 information

KEY FEATURES. CASH-OUT RETIREMENT PLAN

KEY 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 information

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference.

KEY 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 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

ORDER HANDLING POLICY. Direct Investments

ORDER HANDLING POLICY. Direct Investments ORDER HANDLING POLICY Direct Investments Our approach to order handling We re committed to helping you make informed decisions about your investments. One way we do this is to explain how we will handle

More information

Key Features. of the Suffolk Life SIPP (Deed Poll Scheme)

Key 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 information

Supplementary Investor Information Document for the Clerical Medical Open Ended Investment Company

Supplementary 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 information

Key features of the Aviva Stocks & Shares ISA

Key features of the Aviva Stocks & Shares ISA Key features of the Aviva Stocks & Shares ISA Retirement Investments Insurance Health Key features of the Aviva Stocks & Shares ISA The Financial Conduct Authority is a financial services regulator. It

More information

Supplementary Information Document. The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA

Supplementary Information Document. The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual

More information

Key Features of the Immediate Lifetime Care Term Assurance Plan

Key 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 information

Investment Funds. Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited

Investment Funds. Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited Investment Funds Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment

More information

Key Features of the With Profits Pension Annuity

Key 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 information

ISA and Personal Portfolio

ISA 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 information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key Features of the Funds Portfolio and ISA Funds Portfolio Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio.

More information

Key Features of the Immediate Life Annuity

Key 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 information

ST. JAMES S PLACE UNIT TRUST AND ISA

ST. 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 information

Investment Funds Provided by RBS Collective Investment Funds Limited

Investment Funds Provided by RBS Collective Investment Funds Limited Supplementary Information Document (SID) Investment Funds Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment

More information

Key Features of the Elevate General Investment Account and the Elevate Stocks & Shares Individual Savings Account

Key Features of the Elevate General Investment Account and the Elevate Stocks & Shares Individual Savings Account Elevate Key Features of the Elevate General Investment Account and the Elevate Stocks & Shares Individual Savings Account Important Information The Financial Conduct Authority (FCA) is a financial services

More information

Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011

Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011 Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011 Key Features of the Threadneedle Stocks and Shares (Stockmarket) Individual Savings Account (B) Please

More information

INCOME AND GROWTH PORTFOLIO OEIC AND ISA FUNDS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT

INCOME 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 information

Key Features of the SIF Plan and SIF ISA

Key Features of the SIF Plan and SIF ISA Key Features of the SIF Plan and SIF ISA This is an important document. You need to read this before you invest in the SIF Plan and/or SIF Individual Savings Account. 6 April 2016 January 2011 2 Key Features

More information

Important information. Key Features of the Flexible Retirement Plan (Personal Pension Plan with SIPP options)

Important information. Key Features of the Flexible Retirement Plan (Personal Pension Plan with SIPP options) Important information Key Features of the Flexible Retirement Plan (Personal Pension Plan with SIPP options) > Contents About this booklet 3 About our Flexible Retirement Plan 4 Who can take out a Flexible

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY 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 information

Supplementary Investor Information Document incorporating the conditions for the Clerical Medical Individual Savings Account

Supplementary Investor Information Document incorporating the conditions for the Clerical Medical Individual Savings Account Supplementary Investor Information Document incorporating the conditions for the Clerical Medical Individual Savings Account This Supplementary Investor Information Document (SIID) is designed to be read

More information

Guaranteed 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 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 information

Alliance Trust Investments Supplementary Information Document

Alliance Trust Investments Supplementary Information Document Alliance Trust Investments Supplementary Information Document June 2015 This document provides supplementary information about your investment in one or more of the following open ended investment companies:

More information

Stocks & Shares ISA Key Facts. This is an important document which you should keep.

Stocks & Shares ISA Key Facts. This is an important document which you should keep. Stocks & Shares ISA Key Facts! This is an important document which you should keep. 2 Key Facts of the Alliance Trust Savings Stocks & Shares ISA The Financial Conduct Authority is the independent financial

More information

Your Policy Conditions

Your 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 information

Stocks and Shares Junior ISA

Stocks and Shares Junior ISA Stocks and Shares Junior ISA Provided by RBS Collective Investment Funds Limited. Including: Key Facts about our services and costs. Supplementary Information Document. Terms. This booklet includes the

More information

Purchased Life Annuity Key Features

Purchased 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 information

With Profits Bond KEY FEATURES

With Profits Bond KEY FEATURES With Profits Bond KEY FEATURES CONTENTS 1 Ecclesiastical s With Profits Bond 2 Questions and Answers 5 Further Information 9 Other Information Ecclesiastical s With Profits Bond This Key Features document

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY 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 information

Post Office Money Free Parent Life Cover

Post 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 information

ISA and Investment Fund Key features

ISA 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 information

RELEVANT LIFE PLAN KEY FEATURES

RELEVANT LIFE PLAN KEY FEATURES seeing retirement differently seeing retirement differently RELEVANT LIFE PLAN CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service regulator.

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

Expert Managed Solutions Provided by RBS Collective Investment Funds Limited

Expert Managed Solutions Provided by RBS Collective Investment Funds Limited Expert Managed Solutions Provided by RBS Collective Investment Funds Limited Including: Supplementary Information Document. Investment Options ISA Terms and Conditions. This booklet includes the following

More information

ISA and Investment Funds Key Features

ISA 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 information

Omnis Portfolio Investments ICVC

Omnis Portfolio Investments ICVC Supplementary Information Document Omnis Portfolio Investments ICVC Valid as at 29 th January 2016 Issued by Omnis Investments Limited, Authorised and regulated by the Financial Conduct Authority Registered

More information

KEY 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 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 information

SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT FOR THE HALIFAX COLLECTIVE INVESTMENT PLAN

SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT FOR THE HALIFAX COLLECTIVE INVESTMENT PLAN INVESTMENTS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT FOR THE HALIFAX COLLECTIVE INVESTMENT PLAN Provided by HBOS Investment Fund Managers Limited This Supplementary Investor Information Document (SIID)

More information

KEY FEATURES AND POLICY TERMS AND CONDITIONS.

KEY 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 information

Key Features of the Stocks & Shares ISA

Key Features of the Stocks & Shares ISA Key Features of the Stocks & Shares ISA Reference NGS250/A 06.14 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you

More information

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account)

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know Effective

More information

Zurich Simple Life Insurance

Zurich 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 information

Dividend Reinvestment Plan Service Terms and Conditions

Dividend Reinvestment Plan Service Terms and Conditions Dividend Reinvestment Plan SHARE REGISTRATION EMPLOYEE BENEFITS INVESTMENT SERVICES BUSINESS PROCESS OUTSOURCING Dividend Reinvestment Plan Service Terms and Conditions PARTNERSHIP THROUGH INSIGHT, INTEGRITY

More information

Supplementary Investor Information Document incorporating the terms and conditions for the Halifax ISA Investor For Income

Supplementary Investor Information Document incorporating the terms and conditions for the Halifax ISA Investor For Income INVESTMENTS Supplementary Investor Information Document incorporating the terms and conditions for the Halifax ISA Investor For Income Provided by HBOS Investment Fund Managers Limited This Supplementary

More information

Key features of the Income Protection Plan Helping you decide

Key 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 information

Nationwide customer agreement. Customers not receiving advice

Nationwide customer agreement. Customers not receiving advice SELF-Directed Nationwide customer agreement Customers not receiving advice This important document describes the terms and conditions that will apply if you invest on a selfdirected basis without advice.

More information

Important document please read. Wesleyan SIPP (Self-Invested Personal Pension)

Important document please read. Wesleyan SIPP (Self-Invested Personal Pension) Important document please read Wesleyan SIPP (Self-Invested Personal Pension) Key features of the Wesleyan SIPP (Self-Invested Personal Pension) The Financial Services Authority is the independent financial

More information

Key features of the ISA Portfolio

Key features of the ISA Portfolio Key features of the ISA Portfolio Key features of the ISA Portfolio The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help

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 and Terms and Conditions of the Stocks and

Key Features and Terms and Conditions of the Stocks and Stocks and Shares ISA April 2015 Key Features and Terms and Conditions of the Stocks and Shares ISA This document should be read in conjunction with an up-to-date Key Investor Information Document (KIID)

More information

Instant Life Insurance

Instant Life Insurance AIG Life Instant Life Insurance Key Facts AIG Instant Life Insurance the Key Facts This document gives you the key information you need to help you decide whether AIG Instant Life Insurance is right for

More information

The Investment Bond s key features Important info you need to read

The Investment Bond s key features Important info you need to read The Investment Bond s key features Important info you need to read Before applying for the Investment Bond, please read the Key Features, which you ll find on the next few pages. The Key Features explain

More information

AIG Life. Over 50s Life Plan. Key Facts

AIG 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 information

Stocks and Shares ISA

Stocks and Shares ISA Your modern mutual Stocks and Shares ISA Key features document What is the purpose of this document? The Financial Conduct Authority is the independent financial services regulator. It requires us, The

More information

BP p.l.c. Individual Savings Account

BP p.l.c. Individual Savings Account BP p.l.c. Individual Savings Account October 2014 2 Contents page How to contact us About this brochure 2 How to contact us 2 ISAs explained 3 Taxation 3 Risks associated with this investment 4 Eligibility

More information

Key Information Pack. Premier Cash ISA

Key Information Pack. Premier Cash ISA Premier Cash ISA Key Information Pack Post Office Money Premier Cash ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK. PostOfficeMoney.co.uk

More information

Key Features of the MetLife Income for Life Bond (UK and International)

Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and International) 1 Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and

More information

Zurich Accidental Death Cover. Terms and conditions

Zurich Accidental Death Cover. Terms and conditions Zurich Accidental Death Cover Terms and conditions Contents Terms and conditions Introduction 3 Roles and responsibilities 4 Zurich s roles and responsibilities 4 Your roles and responsibilities 4 Your

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

Supplementary Information Document. Artemis Investment Funds ICVC GBP

Supplementary Information Document. Artemis Investment Funds ICVC GBP Supplementary Information Document Artemis Investment Funds ICVC GBP Supplementary Information Document Thank you for requesting information from Artemis. If you require an application form, or additional

More information

AIG Life. Relevant Life Insurance. Key Facts

AIG 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 information

FINANCIAL PLANNING Nationwide customer agreement

FINANCIAL PLANNING Nationwide customer agreement FINANCIAL PLANNING Nationwide customer agreement Customers receiving advice This important document describes in detail the terms and conditions that will apply to charging for advised services. It explains

More information

KEY FEATURES OF THE RETIREMENT ACCOUNT

KEY FEATURES OF THE RETIREMENT ACCOUNT Key Features of the Royal London Retirement Account KEY FEATURES OF THE RETIREMENT ACCOUNT IMPORTANT INFORMATION YOU SHOULD READ 1 HOW TO CONTACT US If you have any queries relating to your Retirement

More information

Retirement Account Plan Key features

Retirement 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 information