Terminal bonus Endowment assurance 10 n/a n/a n/a n/a n/a n/a. Endowment assurance n/a CWP N 11286

Size: px
Start display at page:

Download "Terminal bonus. 1 2 3 4 5 6 7 8 Endowment assurance 10 n/a n/a n/a n/a n/a n/a. Endowment assurance 15 11286 3443 n/a CWP N 11286"

Transcription

1 126 Long-term insurance business : With-profits payouts on maturity (normal retirement) Form 59A PEARL ASSURANCE PUBLIC LIMITED COMPANY Date of maturity value / open market option 01 March 2015 Original term Maturity value / open market option Terminal bonus Endowment assurance n/a CWP N Endowment assurance n/a CWP N Endowment assurance n/a CWP N Regular premium pension 5 n/a n/a n/a n/a n/a n/a Regular premium pension 10 n/a n/a n/a n/a n/a n/a Regular premium pension n/a N Regular premium pension n/a N Single premium pension n/a N Single premium pension n/a N 32291

2 127 Long-term insurance business : With-profits payouts on surrender Form 59B PEARL ASSURANCE PUBLIC LIMITED COMPANY Date of surrender value 01 March 2015 Duration at surrender Surrender value Terminal bonus Endowment assurance 5 n/a n/a n/a n/a n/a n/a Endowment assurance n/a n/a CWP n/a Endowment assurance n/a n/a CWP n/a With-profits bond 2 n/a n/a n/a n/a n/a n/a With-profits bond 3 n/a n/a n/a n/a n/a n/a With-profits bond 5 n/a n/a n/a n/a n/a n/a With-profits bond 10 n/a n/a n/a n/a n/a n/a Single premium pension 2 n/a n/a n/a n/a n/a n/a Single premium pension 3 n/a n/a n/a n/a n/a n/a

3 128 Long-term insurance business : With-profits payouts on maturity (normal retirement) Form 59A LONDON LIFE LIMITED Date of maturity value / open market option 01 March 2015 Original term Maturity value / open market option Terminal bonus Endowment assurance CWP No 8107 Endowment assurance CWP No Endowment assurance CWP No Regular premium pension 5 n/a n/a n/a n/a n/a n/a Regular premium pension No Regular premium pension No Regular premium pension CWP No Single premium pension No Single premium pension No Single premium pension CWP No 21400

4 129 Long-term insurance business : With-profits payouts on surrender Form 59B LONDON LIFE LIMITED Date of surrender value 01 March 2015 Duration at surrender Surrender value Terminal bonus Endowment assurance 5 n/a n/a n/a n/a n/a n/a Endowment assurance CWP No Endowment assurance CWP No With-profits bond 2 n/a n/a n/a n/a n/a n/a With-profits bond 3 n/a n/a n/a n/a n/a n/a With-profits bond 5 n/a n/a n/a n/a n/a n/a With-profits bond 10 n/a n/a n/a n/a n/a n/a Single premium pension 2 n/a n/a n/a n/a n/a n/a Single premium pension 3 n/a n/a n/a n/a n/a n/a

5 130 Long-term insurance business : With-profits payouts on maturity (normal retirement) Form 59A AMP UK Date of maturity value / open market option 01 March 2015 Original term Maturity value / open market option Terminal bonus Endowment assurance 15 n/a n/a n/a n/a n/a n/a Endowment assurance 20 n/a n/a n/a n/a n/a n/a Endowment assurance CWP No Regular premium pension 5 n/a n/a n/a n/a n/a n/a Regular premium pension 10 n/a n/a n/a n/a n/a n/a Regular premium pension 15 n/a n/a n/a n/a n/a n/a Regular premium pension 20 n/a n/a n/a n/a n/a n/a Single premium pension 15 n/a n/a n/a n/a n/a n/a Single premium pension 20 n/a n/a n/a n/a n/a n/a

6 131 Long-term insurance business : With-profits payouts on surrender Form 59B AMP UK Date of surrender value 01 March 2015 Duration at surrender Surrender value Terminal bonus Endowment assurance 5 n/a n/a n/a n/a n/a n/a Endowment assurance 15 n/a n/a n/a n/a n/a n/a Endowment assurance 20 n/a n/a n/a n/a n/a n/a With-profits bond 2 n/a n/a n/a n/a n/a n/a With-profits bond 3 n/a n/a n/a n/a n/a n/a With-profits bond 5 n/a n/a n/a n/a n/a n/a With-profits bond 10 n/a n/a n/a n/a n/a n/a Single premium pension 2 n/a n/a n/a n/a n/a n/a Single premium pension 3 n/a n/a n/a n/a n/a n/a

How To Value Royal Life With Profits

How To Value Royal Life With Profits Bonus Rates Royal London - Life Business Regular Bonus Rates: Regular Premium Single Premium 0.5% 0.5% 2011 0.5% 0.5% For policies taken out after 2004 the regular bonus rates are greater than 0.5% Final

More information

SCOTTISH WIDOWS WITH-PROFITS BONUS RATES

SCOTTISH WIDOWS WITH-PROFITS BONUS RATES SCOTTISH WIDOWS WITH-PROFITS BONUS RATES 11 January 2016 Scottish Widows announces changes to bonus rates for its with-profits policies as of 1 January 2016. Regular bonus has been added to 295,000 unitised

More information

PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES

PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES With-profits policy performance your questions answered January 2015 PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES The aim of this

More information

Annual report to with-profits policyholders by the Board of Phoenix Life Assurance Limited for the period 1 January 2014 to 31 December 2014

Annual report to with-profits policyholders by the Board of Phoenix Life Assurance Limited for the period 1 January 2014 to 31 December 2014 Phoenix Life Assurance Limited SERP Fund Annual report to with-profits policyholders by the Board of Phoenix Life Assurance Limited for the period 1 January 2014 to 31 December 2014 Purpose We set out

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

> 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

FORMER BRITANNIC ASSURANCE PERSONAL PENSION PLAN (CHANNEL ISLANDS)

FORMER BRITANNIC ASSURANCE PERSONAL PENSION PLAN (CHANNEL ISLANDS) Important Information for Phoenix Life Limited Britannic With-Profits Fund Customers FORMER BRITANNIC ASSURANCE PERSONAL PENSION PLAN (CHANNEL ISLANDS) 1 January 2016 Your investment with Phoenix Life

More information

Standard Life announced a review of its UK with-profits bonus rates on 28 January 2016.

Standard Life announced a review of its UK with-profits bonus rates on 28 January 2016. Standard Life Assurance Limited With-profits bonus declaration 28 January 2016 Standard Life announced a review of its UK with-profits bonus rates on 28 January 2016. Most customers will have a seen a

More information

HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND

HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND A guide for trustees with Simplified Pension Investment deposit administration policies invested in this fund The aims of this guide The guide

More information

A guide to your savings and life insurance policy

A guide to your savings and life insurance policy With-Profits Guide A guide to your savings and life insurance policy (With-Profits Endowment policies) Your policy A reference guide to how your savings and life insurance policy works At a glance some

More information

Consumer Guide SLOC With-Profits Fund for Life Insurance Plans

Consumer Guide SLOC With-Profits Fund for Life Insurance Plans 1 Consumer Guide SLOC With-Profits Fund for Life Insurance Plans Life s brighter under the sun Contents Aims of this guide 4 What does this guide cover? 4 What is a with-profits plan? 4 How does the SLOC

More information

WITH-PROFITS GUIDE A GUIDE TO YOUR SAVINGS AND LIFE INSURANCE POLICY (WITH-PROFITS ENDOWMENT POLICIES)

WITH-PROFITS GUIDE A GUIDE TO YOUR SAVINGS AND LIFE INSURANCE POLICY (WITH-PROFITS ENDOWMENT POLICIES) WITH-PROFITS GUIDE A GUIDE TO YOUR SAVINGS AND LIFE INSURANCE POLICY (WITH-PROFITS ENDOWMENT POLICIES) CONTENTS Page 1 Introduction 2 2 What is this guide for? 2 3 What is a with-profits policy? 2 4 What

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

HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND

HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND A guide for policyholders with unitised with-profits policies (except for Profit Plus Fund policies) invested in this fund The aims of this

More information

Abbey Life Assurance Company Limited Participating Business Fund

Abbey Life Assurance Company Limited Participating Business Fund Abbey Life Assurance Company Limited Participating Business Fund Principles and of Financial Management (PPFM) 1 General... 2 1.1 Introduction... 2 1.2 The With-Profits Policies... 2 2 Structure of these

More information

Life Assurance Plans

Life Assurance Plans Life Assurance Plans SLFC Assurance UK With-Profits Fund bonus rates from 1 April 2015 Why are we sending you this brochure? This brochure accompanies your Annual Statement, providing you with further

More information

This guide is for you, if you have a with-profits life assurance policy with either

This guide is for you, if you have a with-profits life assurance policy with either This guide is for you, if you have a with-profits life assurance policy with either Guardian Assurance Ltd or Countrywide Assured 1 of 14 CONTENTS 1 What is this guide for? 2 Background to Guardian Assurance

More information

Windsor Life Assurance Company Limited. Windsor Life With-Profit Fund. Principles and Practices of Financial Management

Windsor Life Assurance Company Limited. Windsor Life With-Profit Fund. Principles and Practices of Financial Management Windsor Life Assurance Company Limited Windsor Life With-Profit Fund Principles and Practices of Financial Management July 2011 Registered in England No. 754167. Registered Office: Windsor House, Telford

More information

Guaranteed Growth Funds and Offshore With-Profits With-profits summary (Hong Kong)

Guaranteed Growth Funds and Offshore With-Profits With-profits summary (Hong Kong) Guaranteed Growth Funds and Offshore With-Profits With-profits summary (Hong Kong) Clerical Medical closed to new business in Hong Kong on 1 January 2005. This document has been produced in accordance

More information

BRIEFING NOTE. With-Profits Policies

BRIEFING NOTE. With-Profits Policies BRIEFING NOTE With-Profits Policies This paper has been prepared by The Actuarial Profession to explain how withprofits policies work. It considers traditional non-pensions endowment policies in some detail

More information

Direction. 3. The FSA directs that the rule listed below does not apply to the firm.

Direction. 3. The FSA directs that the rule listed below does not apply to the firm. Direction To: Wesleyan Assurance Society (the "firm") Ref: 906734 Of: Colmore Circus Birmingham B4 6AR Date: 10 July 2008 Handbook version as in force at the date of this Direction Power 1. This direction

More information

Your endowment and your mortgage

Your endowment and your mortgage Your endowment and your mortgage Helping you understand If you have an endowment mortgage you may be concerned about whether your endowment policy will provide sufficient money to repay your mortgage when

More information

This guide is for you, if you have a traditional with-profits pension policy with either

This guide is for you, if you have a traditional with-profits pension policy with either This guide is for you, if you have a traditional with-profits pension policy with either Guardian Assurance Ltd or Countrywide Assured 1 of 15 CONTENTS 1 What is this guide for? 2 Background to Guardian

More information

Single Premium Plan. Key Features Document

Single Premium Plan. Key Features Document Single Premium Plan Key Features Document This Key Features Document contains a summary of the main features of your Plan. Please read it carefully so that you understand what you are buying and the risks

More information

Single Premium Plan. Key Features Document

Single Premium Plan. Key Features Document Single Premium Plan Key Features Document This Fact Sheet contains a summary of the main features of your Plan. Please read it carefully so that you understand what you are buying and the risks involved.

More information

Phoenix Life Assurance Limited. Phoenix Life Assurance Limited. Principles and Practices of Financial Management

Phoenix Life Assurance Limited. Phoenix Life Assurance Limited. Principles and Practices of Financial Management Phoenix Life Assurance Limited Phoenix Life Assurance Limited Principles and Practices of Financial Management July 2015 Phoenix Life Assurance Limited Principles and Practices of Financial Management

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

WITH-PROFITS GUIDE A GUIDE TO YOUR WHOLE LIFE ASSURANCE POLICY

WITH-PROFITS GUIDE A GUIDE TO YOUR WHOLE LIFE ASSURANCE POLICY WITH-PROFITS GUIDE A GUIDE TO YOUR WHOLE LIFE ASSURANCE POLICY CONTENTS Page 1 Introduction 2 2 What is this guide for? 2 3 What is a with-profits policy? 2 4 What are the guarantees? 3 5 What are the

More information

POLICE MUTUAL ASSURANCE SOCIETY. Principles and Practices of Financial Management July 2015. PPFM v16.4

POLICE MUTUAL ASSURANCE SOCIETY. Principles and Practices of Financial Management July 2015. PPFM v16.4 PPFM v16.4 1. INTRODUCTION... 1 1.1. Purpose and History... 1 1.2. Fair and effective management... 2 1.2. Overview... 3 1.3. Principles of Financial Management... 4 1.4. Practices of Financial Management...

More information

Principles and Practices Of Financial Management

Principles and Practices Of Financial Management Principles and Practices Of Financial Management Wesleyan Assurance Society (Open Fund) Effective from 1 August 2008 Wesleyan Assurance Society Head Office: Colmore Circus, Birmingham B4 6AR Telephone:

More information

Reminder of important facts Pensions

Reminder of important facts Pensions CIS PENSION ANNUITY POLICY Reminder of important facts Pensions What is a Pension Annuity policy? Your pension policy is a tax-efficient way of building up a pension pot to provide you with pension benefits

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

Guide to an Endowment Policy

Guide to an Endowment Policy Guide to an Endowment Policy What is an Endowment policy? What are the different types of Endowment policies? What is a With Profits Investment? How are bonuses calculated? What are my options if I need

More information

Financial protection for you and your family

Financial protection for you and your family Financial protection for you and your family Introduction Most of us believe life and other forms of protection insurance is a good thing. Protecting your family should underpin financial planning and

More information

THE EQUITABLE LIFE ASSURANCE SOCIETY

THE EQUITABLE LIFE ASSURANCE SOCIETY Annual FSA Insurance Returns for the year ended 31 December 2004 Appendices 9.1, 9.3, 9.4 & 9.6 from the Interim Prudential Sourcebook for Insurers Registered Office 20-22 Bedford Row, London, WC1R 4JS

More information

PRA RULEBOOK: SOLVENCY II FIRMS: SURPLUS FUNDS INSTRUMENT 2015

PRA RULEBOOK: SOLVENCY II FIRMS: SURPLUS FUNDS INSTRUMENT 2015 PRA RULEBOOK: SOLVENCY II FIRMS: SURPLUS FUNDS INSTRUMENT 2015 Powers exercised A. The Prudential Regulation Authority ( PRA ) makes this instrument in the exercise of the following powers and related

More information

A guide to unit-linked investments

A guide to unit-linked investments A guide to unit-linked investments Introduction This guide covers NFU Mutual s unit-linked investments. These are policies in which your money is used to purchase units in a particular fund or combination

More information

Note: The paid up value would be payable only on due maturity of the policy.

Note: The paid up value would be payable only on due maturity of the policy. Section II Question 6 The earning member of a family aged 35 years expects to earn till next 25 years. He expects an annual growth of 8% in his existing net income of Rs. 5 lakh p.a. If he considers an

More information

Bonus Rates as on 31 st March 2015

Bonus Rates as on 31 st March 2015 Bonus Rates as on 31 st March Best Years - Bonus Interest Rates Bonus Interest Rates (p.a.) Best Years Retirement Plans (UIN:114N014V01, 114N040V01) Gross return on accumulated funds in Individual Pension

More information

Your With-Profits Bond a guide to how we manage the Fund

Your With-Profits Bond a guide to how we manage the Fund Your With-Profits Bond a guide to how we manage the Fund Prudential International Investment Bond and International Prudence Bond The PAC With-Profits Funds This document contains information which is

More information

SUP Ann 6R: Persistency Report

SUP Ann 6R: Persistency Report SUP Ann 6R: Persistency Report 1. REP003 Persistency Report Nil Return Declaration 2. Persistency Report Life Policies 3. Persistency Report Stakeholder Pensions Financial Conduct Authority REP003 Persistency

More information

Swiss Life Flex Save Invest. Guarantee and attractive earnings opportunity

Swiss Life Flex Save Invest. Guarantee and attractive earnings opportunity Swiss Life Flex Save Invest Guarantee and attractive earnings opportunity Save for the future with a guarantee and attractive earnings opportunity Swiss Life Flex Save Invest 3 Benefit from a modern life

More information

American Equity Investment Life Insurance Company West Des Moines, IA 50266 888-647-1371 www.american-equity.com For Agent Information Only.

American Equity Investment Life Insurance Company West Des Moines, IA 50266 888-647-1371 www.american-equity.com For Agent Information Only. M American Equity Investment Life Insurance Company West Des Moines, IA 50266 888-647-1371 www.american-equity.com For Agent Information Only. Not For Use For Solicitation Or Advertising To The Public

More information

1 st December 2014. Taxability of Life Insurance Benefits An Actuarial View

1 st December 2014. Taxability of Life Insurance Benefits An Actuarial View 1 st December 2014 Taxability of Life Insurance Benefits An Actuarial View 1) The Finance Act 2014, has introduced Section 194 (DA) in the Income tax Act, 1961, requiring deduction of tax at source at

More information

THE EFFECT OF A CHANGE IN THE INTEREST RATE ON LIFE ASSURANCE PREMIUMS

THE EFFECT OF A CHANGE IN THE INTEREST RATE ON LIFE ASSURANCE PREMIUMS 380 THE EFFECT OF A CHANGE IN THE INTEREST RATE ON LIFE ASSURANCE PREMIUMS By R. E. WHITE, F.I.A., AND B. T. HOLMES, A.I.A., F.A.S., F.A.I.A. of the Confederation Life Association THE recent paper by Dr

More information

Interest Rate Changes

Interest Rate Changes Interest Rate Changes We are committed to keeping you informed and up-to-date on changes in the interest rates for our fixed and variable rate products. Included are details of rate changes that have applied

More information

Canara HSBC Oriental Bank of Commerce Life Insurance Smart Stage Money Back Plan

Canara HSBC Oriental Bank of Commerce Life Insurance Smart Stage Money Back Plan Canara HSBC Oriental Bank of Commerce Life Insurance Smart Stage Money Back Plan 1. What is Smart Stage Money Back Plan? Smart Stage Money Back Plan is a traditional participating product, which provides

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

Staff Paper. IASB Meeting Agenda reference 4C. Deposit floor for Insurance Contracts

Staff Paper. IASB Meeting Agenda reference 4C. Deposit floor for Insurance Contracts IASB Meeting Agenda reference 4C Staff Paper Date October 2009 Contact(s) Hans van der Veen hvanderveen@iasb.org +44 (0)20 7246 6464 Project Topic Insurance contracts Deposit floor for Insurance Contracts

More information

THE EQUITABLE LIFE ASSURANCE SOCIETY

THE EQUITABLE LIFE ASSURANCE SOCIETY THE EQUITABLE LIFE ASSURANCE SOCIETY Annual PRA Insurance Returns for the year ended 31 December 2013 Appendices 9.1, 9.3, 9.4, 9.4A & 9.6 from the Interim Prudential Sourcebook for Insurers Registered

More information

DISCLOSURE AND COMPARISON OF ANNUITY CONTRACTS

DISCLOSURE AND COMPARISON OF ANNUITY CONTRACTS DEPARTMENT OF FINANCIAL SERVICES Division of Agent & Agency Services - Bureau of Investigation DISCLOSURE AND COMPARISON OF ANNUITY CONTRACTS EXISTING ANNUITY CONTRACT PROPOSED ANNUITY CONTRACT Annuitant(s)

More information

INSURANCE AND PENSIONS SUPERVISION UNIT

INSURANCE AND PENSIONS SUPERVISION UNIT INSURANCE AND PENSIONS SUPERVISION UNIT Insurance Statistical Review 2013 October 2014 1 P a g e Contents 1. Introduction... 3 2. Scope of this report... 3 3. Industry Overview... 4 3.1. Gross Written

More information

www.theitjobboard.co.uk T: 020 7307 6300 The IT Job Board Salary Survey 2009

www.theitjobboard.co.uk T: 020 7307 6300 The IT Job Board Salary Survey 2009 www.theitjobboard.co.uk T: 020 7307 6300 The IT Job Board Salary Survey 2009 Salary Survey 2009 The IT Job Board s 2009 salary survey has been created to assist IT professionals and hiring managers to

More information

ALM with ultra-low interest rates -(Life) Insurance Perspective

ALM with ultra-low interest rates -(Life) Insurance Perspective ALM with ultra-low interest rates -(Life) Insurance Perspective Dario Focarelli Director General ANIA Member of the Advisory Scientific Committee of the ESRB Visiting Professor, Risk Management and Insurance,

More information

National specific template Log NS.09 best estimate assumptions for life insurance risks

National specific template Log NS.09 best estimate assumptions for life insurance risks National specific template Log NS.09 best estimate assumptions for life insurance risks CELL(S) ITEM INSTRUCTIONS N/A General Comment This template is applicable to life insurers and life reinsurers. The

More information

Report by the With-Profits Actuary of Alico UK on the impact of the proposed transfer on its with-profits policyholders. 12 April 2012.

Report by the With-Profits Actuary of Alico UK on the impact of the proposed transfer on its with-profits policyholders. 12 April 2012. Proposed transfer of business from the UK Branch of American Life Insurance Company ( Alico UK ) to Reassure Limited ( ReAssure ) (formerly Windsor Life Assurance Company Limited) Report by the With-Profits

More information

The General Dental Council 1970 Pension and Life Assurance Plan Statement of Investment Principles July 2011

The General Dental Council 1970 Pension and Life Assurance Plan Statement of Investment Principles July 2011 1 Introduction 1.1 The Scheme The General Dental Council 1970 Pension and Life Assurance Plan Statement of Investment Principles July 2011 The Plan has two sections - a Final Salary section and a Defined

More information

KEY GUIDE Financial protection for you and your family

KEY GUIDE Financial protection for you and your family Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.

More information

Royal Scottish Assurance Plc

Royal Scottish Assurance Plc Registered office: 24/25 St Andrews Square, Edinburgh, EH2 1AF 31st December 2004 Annual FSA Insurance Returns for the year ended 31 December 2010 Returns under the Accounts and Statements Rules Index

More information

ADV 1223 (11-2011) Rev. 01-2013 13-017

ADV 1223 (11-2011) Rev. 01-2013 13-017 FG Income for Life Guaranteed Minimum Withdrawal Benefit Rider Fidelity & Guaranty Life Insurance Company ADV 1223 (11-2011) Rev. 01-2013 13-017 FG Income for Life Guaranteed Minimum Withdrawal Benefit

More information

INSTITUTE OF ACTUARIES OF INDIA

INSTITUTE OF ACTUARIES OF INDIA INSTITUTE OF ACTUARIES OF INDIA EXAMINATIONS 17 th November 2011 Subject CT5 General Insurance, Life and Health Contingencies Time allowed: Three Hours (10.00 13.00 Hrs) Total Marks: 100 INSTRUCTIONS TO

More information

Annuity Principles and Concepts Session Five Lesson Two. Annuity (Benefit) Payment Options

Annuity Principles and Concepts Session Five Lesson Two. Annuity (Benefit) Payment Options Annuity Principles and Concepts Session Five Lesson Two Annuity (Benefit) Payment Options Life Contingency Options - How Income Payments Can Be Made To The Annuitant. Pure Life versus Life with Guaranteed

More information

Schwab Private Client Fact Finder

Schwab Private Client Fact Finder Schwab Private Client Fact Finder Your first step toward creating a personal financial plan tailored to your needs that can help you reach your goals. Please return completed form to your Schwab Portfolio

More information

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES BUYER S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

Scottish Friendly Assurance Society Limited

Scottish Friendly Assurance Society Limited Scottish Friendly Assurance Society Limited Principles and Practices of Financial Management for With-Profits Business Transferred from Scottish Legal Life Scottish Friendly Assurance Society Limited Principles

More information

Tokio Marine Life Insurance Singapore launches TM Retirement Paycheck to help customers plan and secure their retirement

Tokio Marine Life Insurance Singapore launches TM Retirement Paycheck to help customers plan and secure their retirement MEDIA RELEASE AS APPROVED BY MANAGEMENT COMMITTEE Tokio Marine Life Insurance Singapore launches TM Retirement Paycheck to help customers plan and secure their retirement The only retirement product in

More information

PREMIUM AND BONUS. MODULE - 3 Practice of Life Insurance. Notes

PREMIUM AND BONUS. MODULE - 3 Practice of Life Insurance. Notes 4 PREMIUM AND BONUS 4.0 INTRODUCTION A insurance policy needs to be bought. This comes at a price which is known as premium. Premium is the consideration for covering of the risk of the insured. The insured

More information

Subject SA2 Life Insurance Specialist Applications Syllabus

Subject SA2 Life Insurance Specialist Applications Syllabus Subject SA2 Life Insurance Specialist Applications Syllabus for the 2015 exams 1 June 2014 Aim The aim of the Life Insurance Specialist Applications subject is to instil in the successful candidates the

More information

PruFund and With-Profits in Retirement Planning A comparison of how PruFund Funds and the With-Profits Fund work

PruFund and With-Profits in Retirement Planning A comparison of how PruFund Funds and the With-Profits Fund work For Adviser use only not approved for use with clients Adviser Guide PruFund and With-Profits in Retirement Planning A comparison of how PruFund Funds and the work The PruFund range and With-Profits investment

More information

Commercial Union Life Assurance Company Limited

Commercial Union Life Assurance Company Limited Commercial Union Life Assurance Limited Registered office: St Helen s, 1 Undershaft, London, EC3P 3DQ Annual FSA Insurance Returns for the year ended 31st December 2002 Accounts and statements pursuant

More information

Fixed Deferred Annuities

Fixed Deferred Annuities Buyer s Guide to: Fixed Deferred Annuities National Association of Insurance Commissioners 2301 McGee St Suite 800 Kansas City, MO 64108-2604 (816) 842-3600 1999, 2007 National Association of Insurance

More information

211 CMR: DIVISION OF INSURANCE

211 CMR: DIVISION OF INSURANCE 211 CMR 31.00: LIFE INSURANCE SOLICITATION Section 31.01: Authority 31.02: Purpose 31.03: Scope 31.04: Definitions 31.05: Duties of Insurers 31.06: Pre-need Funeral Contracts and Arrangements 31.07: General

More information

Payouts. Protection. In One Place.

Payouts. Protection. In One Place. Payouts. Protection. In One Place. ING Single Premium Immediate Annuity issued by ING USA Annuity and Life Insurance Company Your future. Made easier. Payouts. Protection. In today s financial world, some

More information

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES BUYER S GUIDE TO FIXED DEFERRED ANNUITIES IT IS IMPORTANT that you understand the differences among various annuities so you can choose the kind that best fits your needs. This guide focuses on fixed deferred

More information

Druids Sheffield. Key Features Stocks & Shares ISA Saving with Life Assurance T45

Druids Sheffield. Key Features Stocks & Shares ISA Saving with Life Assurance T45 Druids Sheffield Key Features Saving with Life Assurance T45 We may be contacted at: Druids Sheffield Dove House, 181 Brampton Road,Wath-upon-Dearne, Rotherham, South Yorkshire S63 6BE Tel: 01709 876409

More information

Article Insurance. (a) (1) In this section the following words have the meanings indicated.

Article Insurance. (a) (1) In this section the following words have the meanings indicated. Article Insurance [Previous][Next] 5 306. (a) (1) In this section the following words have the meanings indicated. (2) Change in fund basis means a valuation basis under which the interest rate used to

More information

Annuities 101. What is an annuity. Type of Annuities. How to get started

Annuities 101. What is an annuity. Type of Annuities. How to get started Annuities 101 What is an annuity Type of Annuities How to get started What is an Annuity? An annuity is a long-term (often 5 years or more), interest-paying contract offered through an insurance company.

More information

PRUDENTIAL VIETNAM LIFE ASSURANCE ILP (PRU-WEALTH ASSURED) PRODUCT BROCHURE

PRUDENTIAL VIETNAM LIFE ASSURANCE ILP (PRU-WEALTH ASSURED) PRODUCT BROCHURE PRUDENTIAL VIETNAM LIFE ASSURANCE ILP (PRU-WEALTH ASSURED) PRODUCT BROCHURE 1 Page Are successful career and strong financial status enough to satisfy you? Does your current prosperous life still concern

More information

Payouts. Protection. In One Place.

Payouts. Protection. In One Place. Payouts. Protection. In One Place. ING Single Premium Immediate Annuity ANNUITIES Your future. Made easier. Payouts. Protection. In today s financial world, some products provide payout options. Others

More information

Subject SA2 Life Insurance Specialist Applications. Syllabus. for the 2013 Examinations. Institute and Faculty of Actuaries.

Subject SA2 Life Insurance Specialist Applications. Syllabus. for the 2013 Examinations. Institute and Faculty of Actuaries. Subject SA2 Life Insurance Specialist Applications Syllabus for the 2013 Examinations 1 June 2012 Institute and Faculty of Actuaries Aim The aim of the Life Insurance Specialist Applications subject is

More information

Annuity Primer. Mark R. Zingle, FSA, MAAA, EA, MBA President, Zingle & Associates, Inc. 2013

Annuity Primer. Mark R. Zingle, FSA, MAAA, EA, MBA President, Zingle & Associates, Inc. 2013 Mark R. Zingle, FSA, MAAA, EA, MBA President, Zingle & Associates, Inc. 2013 Welcome to Zingle and Associates, Inc. Management Series, offering insights on a number of current topics. Additional information

More information

10, 15, 20-year options

10, 15, 20-year options 10, 15, 20-year options Making it simple. Planning your future with guarantees. G R E AT- W E S T L I F E U N I V E R S A L L I F E I N S U R A N C E Limited-pay cost of insurance Making it simple Great-West

More information

Mutual Guarantee And Endowment Plan Of Life Insurance

Mutual Guarantee And Endowment Plan Of Life Insurance Mutual Guarantee And Endowment Plan Of Life Insurance by W. R Smith Download Mutual Guarantee And Endowment Plan Of Life Insurance online in pdf Here you can see related and other interesting book : Mutual

More information

INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION

INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION 27 April 2015 (pm) Subject CT5 Contingencies Core Technical Time allowed: Three hours INSTRUCTIONS TO THE CANDIDATE 1. Enter all the candidate and examination

More information

Voya Single Premium Immediate Annuity

Voya Single Premium Immediate Annuity Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide

More information

CEA would like to address a sincere thank you note to the German Insurance Association ( GDV ) to have conducted this study on its behalf.

CEA would like to address a sincere thank you note to the German Insurance Association ( GDV ) to have conducted this study on its behalf. Tax treatment of 2 nd and 3 rd pillar pension products Introduction In the past, Life Insurance products used to benefit from a special favourable fiscal treatment. netheless, in recent years, insurance

More information

INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION

INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 INSTITUTE AND FACULTY OF ACTUARIES EXAMINATION 8 October 2015 (pm) Subject CT5 Contingencies Core Technical

More information

WHAT YOU NEED TO KNOW ABOUT ISAs

WHAT YOU NEED TO KNOW ABOUT ISAs WHAT YOU NEED TO KNOW ABOUT ISAs How to protect and grow your ISA savings, or use them to generate income ISA Portfolio About MetLife As the UK market leaders in guaranteed retirement solutions, we understand

More information

Voya Single Premium Immediate Annuity

Voya Single Premium Immediate Annuity Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide

More information

D1.03: MORTGAGE REPAYMENT OVERVIEW

D1.03: MORTGAGE REPAYMENT OVERVIEW D1.03: MORTGAGE REPAYMENT OVERVIEW SYLLABUS Repayment mortgages Repayment profile Interest only mortgages Full and low cost endowment mortgages Unit-linked endowment mortgages ISA mortgages Pension mortgages

More information

Gifts to the Foundation or Endowed Gifts Help ensure that the residents of St. Mary s Home will continue

Gifts to the Foundation or Endowed Gifts Help ensure that the residents of St. Mary s Home will continue Gifts to the Foundation or Endowed Gifts Help ensure that the residents of will continue to receive the comprehensive care they need, long into the future. Your gift to either Foundation or an endowed

More information

Understanding fixed index annuities

Understanding fixed index annuities Allianz Life Insurance Company of North America Understanding fixed index annuities M-5217 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In past years, the financial markets have experienced

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

Life Assurance (Provision of Information) Regulations, 2001

Life Assurance (Provision of Information) Regulations, 2001 ACTUARIAL STANDARD OF PRACTICE LA-8 LIFE ASSURANCE PRODUCT INFORMATION Classification Mandatory MEMBERS ARE REMINDED THAT THEY MUST ALWAYS COMPLY WITH THE CODE OF PROFESSIONAL CONDUCT AND THAT ACTUARIAL

More information

Rossmoor Website SEO Tracking Sheet 2012-2014 Updated: April 1, 2014

Rossmoor Website SEO Tracking Sheet 2012-2014 Updated: April 1, 2014 As of 5/4/2012 As of 5/14/2012 active senior living no n/a active senior living no n/a adult golf community no n/a adult golf community no n/a 55+ community yes 8th 55+ community yes 8th retirement living

More information

11.4.2. Phoenix Life Limited. Principles and Practices of Financial Management

11.4.2. Phoenix Life Limited. Principles and Practices of Financial Management 11.4.2 Phoenix Life Limited Principles and Practices of Financial Management July 2015 Phoenix Life Limited Principles and Practices of Financial Management Introduction and Background Contents Page 1.

More information

SUBCHAPTER 19. ANNUITY DISCLOSURE REGULATION [NEW]

SUBCHAPTER 19. ANNUITY DISCLOSURE REGULATION [NEW] TITLE 365. CHAPTER 25. LICENSURE OF AGENTS, ADJUSTERS, BAIL BONDSMEN, COMPANIES, PREPAID FUNERAL BENEFITS, AND VIATICAL AND LIFE SETTLEMENTS PROVIDERS AND BROKERS SUBCHAPTER 19. ANNUITY DISCLOSURE REGULATION

More information

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee ADV 1010 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-716

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

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION Plan Description Important Facts About This Illustration Custom TermGUL is a universal life product, issued on form series LS167, that provides a death benefit upon the

More information