Compulsory Purchase Annuity Plan Terms and conditions
|
|
- John Bruce
- 8 years ago
- Views:
Transcription
1 Compulsory Purchase Annuity Plan Terms and conditions
2 Contents Introduction 3 Plan summary 3 Amount and types of annuity 3 Terms and conditions your contract with us 5 How to contact us 6 2
3 Introduction This booklet explains the terms and conditions of your Zurich Plan. Please keep it in a safe place with your key features document and the annuity schedule. We ve tried to use plain language in this booklet but avoiding all technical terms is difficult. Where we ve included them, we ve explained what we mean. Plan summary Your Zurich Plan (the plan) is a legally binding agreement between Zurich and you for the payment of pension rights built up by you under a registered pension scheme, in accordance with the requirements of the Finance Act 2004 as amended. The plan pays you a secure lifelong income (called an annuity), in return for a single payment of funds built up under the relevant scheme. Currently, an annuity cannot be cashed in or given away (assigned) to anyone else. On your death the regular income payments will stop unless you have chosen one of the guaranteed options or an annuity becomes payable then to your partner or another beneficiary. An annuity which becomes payable to a second life is called a joint life annuity. Your pension rights may include former protected rights. Former protected rights Means rights under a pension scheme which arose from the payment of minimum contributions in connection with contracting out of the additional state pension scheme or the transfer of contracted out rights from another Registered Pension Scheme and such other rights as may have been prescribed as Protected Rights under Section 10 of the Pension Schemes Act 1993 (Protected rights and money purchase benefits), including Guaranteed Minimum Pensions and section 9(2B) rights. Until 6 April 2012, protected rights funds had to provide 50% of your annuity income to a surviving husband, wife or registered civil partner on your death. This rule no longer applies where the trustees have amended the scheme rules. We will let you know if this rule still applies to you at the time you ask to take your benefits. Amount and types of annuity You may choose from the following: Monthly, quarterly, half-yearly or yearly This is the frequency with which you will receive income payments. In advance This means that an immediate income payment will be made on the start date. In arrears This means that an income payment will not be made until a complete month, quarter, half year or year, depending on the frequency of payments, has elapsed since the start date. For example, with a yearly in arrears annuity the first payment will not be made until a year after the start date of your annuity. The start date is shown on your annuity quotation. Where your annuity is payable in arrears, no part payment will be made after your death in respect of the period since the last payment was made. The final payment will be that paid prior to your death (unless an annuity becomes payable to your partner or another beneficiary or you have chosen one of the guarantee options). 3
4 Yearly increase in payment At each anniversary date the amount of income you will receive will increase by the percentage shown on the annuity quotation or change in line with the Retail Prices Index (RPI) if you have chosen this option for annual changes in the value of annuity payments. If there is no percentage increase shown and no reference to changes in line with RPI, the income you will receive will not increase and will always remain at the amount shown on the annuity quotation. The anniversary date is the yearly anniversary of the start date of your annuity. Guarantee period This means that the annuity payments will be guaranteed for 5 or 10 years from the start date. If you die before the 5 or 10 years expires, we will pay the regular payments at the time that they are due over the remainder of the 5 or 10 year periods, together with any increases. If you do not wish to have a guarantee, you can choose to have no guarantee period. Joint life annuity A joint life annuity will continue to provide an income after your death to a named survivor and will be paid at the rate shown for the lifetime of any partner or another beneficiary. If the annuity is paid to a dependent child, it will normally be paid for a limited period until age 23. For example, if you have selected a joint life annuity for a named partner or another beneficiary of 2/3rds of the amount paid during your lifetime, a reduced annuity of 2/3rds of your annuity will be payable to the named partner or another beneficiary during their lifetime. This will be on the same terms, without any guarantee, as your annuity. This reduced income will commence either from the next payment due after your death, or the end of the guarantee period, if later, where the terms of the plan do not provide for payment to start on death in addition to any guaranteed payments. 4
5 Terms and conditions your contract with us The initial amount of income you will receive is shown on the annuity schedule. The annuity quotation will also show the type of annuity you have chosen. Once you have chosen the type of annuity this cannot be changed. You must notify us in writing of any change of address. We will use the address shown on the application form for all correspondence until we are notified otherwise. We may ask you to provide proof of your date of birth and proof of the date of birth of your partner or another beneficiary who may receive annuity income after your death. We may also ask for proof that you, or any person receiving an annuity, are alive and continue to be entitled to receive the annuity payments. We may ask for this at any time and may ask for this more than once. If reasonable proof is not provided within a reasonable time we may stop or suspend annuity payments. This document contains all of the terms of the contract with us. Changes, or additions, to the contract can only be made in writing from our HeadOffice. If your age or date of birth is incorrectly stated on the application form or on the annuity quotation, we can change the terms of the annuity to reflect your actual age. If any event or change in circumstances makes it impossible or illegal to carry out the terms of the annuity, the terms and conditions may need to be amended by the actuary to enable the annuity to continue, and/or to stop the illegality. When deciding what amendments are necessary, the actuary must act reasonably and with due regard for his professional duties. Actuary The actuary is Zurich s appointed actuary at the time. An actuary is a qualified professional who makes mathematical assessments of costs and probabilities and, accordingly, sets payment and rates for insurance and pension contracts and deals with a range of financial matters related to the business of insurance companies. Planholder The planholder will be the person(s) shown on the annuity quotation if this annuity was taken out by the trustees of an occupational scheme or by the scheme administrator of a personal pension scheme. Payment of annuity benefits Benefits will be payable to you or, where appropriate, your partner or another beneficiary unless we are directed to make payments to another person by the planholder. Currently, neither you nor the planholder can cash in your annuity for a cash sum. We can only make payments to a bank account held by you or as directed by the planholder. When paying annuity payments we will deduct any tax we are required or authorised to deduct. If the currency of the United Kingdom is replaced by the euro, we ll change the payments to euros. Contracts (Right of Third Parties) Act 1999 A person or company who was not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third party which exists or is available apart from that Act. 5
6 How to contact us If you have an adviser this will normally be your first point of contact. We will not give you any financial advice. If you wish to contact us before the annuity starts, your contact will be that shown on the correspondence you receive from us setting out details of the annuity options available. After the annuity has started, if you have any questions or wish to contact us at any time you can phone us, write to us or send a fax: Phone: Monday to Friday 8.00am 6.00pm (we are not open on bank holidays). We may record or monitor calls to improve our service. Write to: Zurich Assurance Ltd The Grange Bishops Cleeve Cheltenham Gloucestershire GL52 8XX Fax: Keep in touch It s important that we keep in touch so, if you change your address, let us know using one of the methods above. We want everyone to find it easy to deal with us. Please let us know if you need information about our plans and services in a different format. All our literature is available in large print or braille, or on audiotape or CD. If you are a textphone user, we can answer any questions you have through a Typetalk Operator. Call us on Or, if you d prefer, we can introduce your adviser to a sign-language interpreter. 6
7 7
8 Please let us know if you would like a copy of this in large print or braille, or on audio tape or CD. PW124163A51 (04/ 15) RRD Zurich Assurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Telephone: We may record or monitor calls to improve our service.
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 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 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 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 informationZURICH SIMPLE LIFE INSURANCE
ZURICH SIMPLE LIFE INSURANCE Key facts Helping you decide This important document gives you a summary of Zurich Simple Life Insurance. Please keep it for future reference. About Zurich Simple Life Insurance
More informationUsing trusts can help to make sure your financial plans take care of the future
Using trusts can help to make sure your financial plans take care of the future 2 Trusts and what they do If you ve already taken the time to make financial plans for the future, using trusts can help
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 informationConventional Lifetime Annuity Options Your Questions Answered
Conventional Lifetime Annuity Options Your Questions Answered 0800 014 7470 0333 014 6267 am-5.30pm weekdays. Calls may be recorded for training and monitoring purposes. www.425fs.co.uk Contents 1. Introduction
More informationZurich 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 informationConventional Lifetime Annuity Options Your Questions Answered
Conventional Lifetime Annuity Options Your Questions Answered 0845 077 7077 (8.30am-6pm weekdays) Calls may be recorded for training and monitoring purposes. www.425fs.co.uk Contents 1. Introduction to
More informationKey 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 informationKey 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 informationKey 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 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 informationDiscretionary Trust Deed
Discretionary Trust Deed Discretionary Trust Deed What is it? A discretionary trust designed for use with life assurance plans including investment bonds. The settlor (the person creating the trust) cannot
More informationTERMS AND CONDITIONS PENSION ANNUITY.
TERMS AND CONDITIONS PENSION ANNUITY. This document is intended for reference both before and after the annuity has been bought. If you are looking at it before buying, we recommend that you also read
More informationA guide to pension tax
A guide to pension tax Footer info Zurich Blue 2 or White Contents About this guide 3 Tax treatment of payments 4 Eligibility to receive tax relief on payments Tax relief on payments made to pension schemes
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 informationAnnuity Policy. For a Compulsory Purchase Annuity from an occupational pension scheme
Annuity Policy For a Compulsory Purchase Annuity from an occupational pension scheme Please keep this Policy in a safe place, along with the accepted Annuity Quotation, the Statement of Benefits and the
More informationAnnuity Policy. For benefits bought out from an occupational pension scheme or a section 32 buy-out plan
Annuity Policy For benefits bought out from an occupational pension scheme or a section 32 buy-out plan Please keep this Policy in a safe place, along with the accepted Annuity Quotation, the Statement
More informationPension Annuity (including the Enhanced Pension Annuity)
Pension Annuity (including the Enhanced Pension Annuity) Terms and Conditions Retirement Investments Insurance Health Retirement Investments Insurance Health Retirement Investments Insurance Health Welcome
More informationGuaranteed Annuity. Policy Terms & Conditions
Guaranteed Annuity Policy Terms & Conditions Your Guaranteed Annuity Policy The Guaranteed Annuity is a contract of insurance between you and us formed by: your signed application this policy booklet,
More informationKey Features of the Just Retirement. Key Features of the Just Retirement Fixed Term Annuity
Key Features of the Just Retirement Fixed Term Annuity This brochure outlines the key features of the Just Retirement Fixed Term Annuity. The Financial Conduct Authority is a financial services regulator.
More informationDiscretionary Loan Plan Trust Deed and Loan Agreement
Discretionary Loan Plan Trust Deed and Loan Agreement Discretionary Loan Plan Trust Deed What is it? A discretionary trust designed for use with single premium life assurance plans, more commonly known
More informationPension Annuity. Key Features
Helping you decide The Financial Services Authority is the independent financial services regulator. It requires us to give you this important information to help you to decide whether our Pension Annuity
More informationRelevant Life Policy. Technical Guide for Employers and Employees
Relevant Life Policy Technical Guide for Employers and Employees What is a Relevant Life Policy? A Relevant Life Policy: is a term assurance effected by an employer on the life of an employee and funded
More informationKey features of the Income Protection Plan
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 informationHow To Buy A Partnership Pension Annuity
Helping you decide The Financial Conduct Authority is a financial services regulator. It requires us to give you this important information to help you to decide whether our Pension Annuity is right for
More informationRelevant Life Policy. Trust Deed
Relevant Life Policy Trust Deed The Relevant Life Policy Trust is provided in draft format for the approval of your (the employer s) legal advisers. The appropriateness of this trust will depend on the
More informationKey Features of the Pension Annuity (including the Enhanced Pension Annuity)
Key Features of the Pension Annuity (including the Enhanced Pension Annuity) Key Features of the Pension Annuity (including the Enhanced Pension Annuity) The Financial Conduct Authority is a financial
More informationDiscretionary Split Trust Deed
Discretionary Split Trust Deed Discretionary Split Trust Deed 2 This trust deed should not be used with plans that provide more life cover than critical illness cover. What is it? A discretionary trust
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 informationGuide to transfers. A basic information guide to UK pension transfers
A basic information guide to UK pension transfers Contents Guide to UK pension transfers 3 What the guide covers 3 What is a pension transfer? 3 Why is advice important? 3 What you should discuss with
More informationIt s flexible. Key features of the Flexible Income Annuity. Flexible Income Annuity
It s flexible Key features of the Flexible Income Annuity Flexible Income Annuity This is an important document and you should read it before deciding whether to buy your pension annuity from us Purpose
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 informationGuaranteed Pension Annuity Policy Terms & Conditions
Guaranteed Pension Annuity Policy Terms & Conditions Thank you for choosing Hodge Lifetime for your retirement income. This document sets out the Policy Terms and Conditions that apply to all policyholders.
More informationImportant 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 informationKey Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents
Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,
More informationBuying a pension annuity
Buying a pension annuity Why do I need to think about buying a pension annuity? When you come to retire, you will have some important decisions to make. Probably most important of all is how you will generate
More informationKey Features. Pension Annuity. This brochure outlines the key features of the Just Retirement Pension Annuity. Contents
Pension Annuity Key Features This brochure outlines the key features of the Just Retirement Pension Annuity. The Financial Conduct Authority is a financial services regulator. It requires us, Just Retirement,
More informationKEY FEATURES OF THE PROTECTED RETIREMENT PLAN
KEY FEATURES OF THE PROTECTED RETIREMENT PLAN Customer version The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information to help you
More informationA guide to your new Prudential Annuity
A guide to your new Prudential Annuity > Thank you for choosing Prudential to provide your pension annuity. You might be receiving your pension directly from us or we are paying it on behalf of your pension
More informationThe 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 informationImportant 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 informationTRUSTEE TRANSFER PLAN Policy Document
TRUSTEE TRANSFER PLAN Policy Document [2] POLICY DOCUMENT TRUSTEE TRANSFER PLAN Contents 1. Introduction 4 2. Payments to us 6 3. Charges 7 4. Benefits payable under the Policy 8 5. Investments under the
More informationAims, Commitment and Riskss
Key Features of the Reliance Mutual Enhanced Annuity for.smokers. The Financial Conduct Authority is a financial services regulator. It requires us, Reliance Mutual Insurance Society Limited, to give you
More informationGROUP PROTECTION HELPING YOU UNDERSTAND EXCEPTED GROUP LIFE POLICIES (EGLP).
GROUP PROTECTION HELPING YOU UNDERSTAND EXCEPTED GROUP LIFE POLICIES (EGLP). 2 CONTENTS. Introduction 3 The different types of group life assurance 4 What is an EGLP? 4 What must I remember when I set
More informationRetirement Key Features of the Lifetime Annuity
Retirement Key Features of the Lifetime Annuity IMPORTANT INFORMATION The Financial Conduct Authority is a financial services regulator. It requires us, AXA Wealth Limited, to give you this important information
More informationProvide for your loved ones. A guide to death benefits from your pension plan
Provide for your loved ones A guide to death benefits from your pension plan This guide covers the death benefits from the following plans: Self Invested Personal Pension Group Self Invested Personal Pension
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 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 informationSterling Investment Bond additional payment form. To be used for Standard, High allocation and No exit penalty options from 31 December 2012
Sterling Investment Bond additional payment form To be used for Standard, High allocation and No exit penalty options from 31 December 2012 1 Your application Please make sure you complete all relevant
More 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 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 informationCompulsory Purchase Annuity
Application form Who this form is for 0615 This form is for people who want to purchase a pension from Standard Life Filling in this form Before completing this form read the Key Features Document (CPA17)
More informationSIPP ISA Dealing Junior ISA SIPP benefi ts guide
SIPP ISA Dealing Junior ISA SIPP benefits guide Contents Introduction SIPP benefits - the basics Annuity, income drawdown and taxable lump sums the commitments and risks 3 Your benefits options Lump sums
More informationCONDITIONS Over 50s Life Cover
TERMS AND CONDITIONS Over 50s Life Cover 1 TERMS AND CONDITIONS: OVER 50S LIFE COVER PROVIDED BY THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED ( ROYAL LONDON ) This booklet contains the Terms and Conditions
More informationAdaptable Life Plan. Terms and conditions
Adaptable Life Plan Terms and conditions Contents 1. Who can have the plan? 3 2. The aim of the plan 3 3. The life cover in more detail 4 4. The optional benefits in more detail 4 Waiver of payment benefit
More informationSmall lump sum claim form. Individual pension plan
Small lump sum claim form Individual pension plan Your guide to small lump sum payments You are entitled to free guidance about your retirement options. The Government has set up a free guidance service
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 informationFlexible Business Trust Deed
Flexible Business Trust Deed The documentation for the Flexible Business Trust is provided in draft format for the approval of your legal advisers. The appropriateness of this trust will depend on the
More informationKey Features of the NFU Mutual Pension Annuity
Key Features of the NFU Mutual Pension Annuity Contents Who should buy this product? page 1 Its Aim page 1 Your Commitment page 1 Risks page 1 How do pensions work? page 2 What is a Pension Annuity? page
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 informationZurich Assurance Ltd Principles and Practices of Financial Management 2014 Annual Compliance Report to 90:10 With-Profits Fund Policyholders
Zurich Assurance Ltd Principles and Practices of Financial Management 2014 Annual Compliance Report to 90:10 With-Profits Fund Policyholders 22 April 2015 Contents 1. INTRODUCTION 3 2. WITH-PROFITS GOVERNANCE
More informationGuide to Pension Annuities
Guide to Pension Annuities Having successfully built up a pension fund during your working life, there will come a time when you will need to make some important decisions about how to use this fund. These
More informationWestpac Guaranteed Income Plan Policy Document
Westpac Guaranteed Income Plan Policy Document This document sets out the terms and conditions of your Policy. Please contact our Customer Relations Centre on 131 817 if you have any questions on this
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 informationBusiness Protection Translating Needs Into Plans
Business Protection Translating Needs Into Plans This technical guide details how to translate the needs identified in the Business Protection Adviser Tool to appropriate plans for your clients. For intermediary
More informationAIG Life. Whole of Life Insurance. Key Facts
AIG Life Whole of Life Insurance Key Facts Contents Page Welcome to AIG 3 Section A: About Whole of Life Insurance A1 What is Whole of Life Insurance? 4 A2 Whole of Life Insurance aims 4 A3 How does Whole
More informationFLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER
FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER 1 THE PRUDENTIAL ASSURANCE COMPANY LIMITED Incorporated in England Reg'd No. 15454 Registered Office: Laurence Pountney Hill, London, EC4R
More informationPension benefits guide How you can use your pension pot to suit your needs
Pension benefits guide How you can use your pension pot to suit your needs axawealth.co.uk With the flexibility you have to take benefits through your pension, it can be difficult to know what s best for
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 informationYOUR GUIDE TO RETIREMENT
YOUR GUIDE TO RETIREMENT www.phoenixlife.co.uk CONTENTS Page Purpose of this guide 3 Your pension options - Buying your pension income (annuity) from us 4 Your pension options - Buying your pension income
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 informationTerms of the Just Retirement Pension Annuity
1. ABOUT THESE CONDITIONS 1.1 If you have any queries about the Policy Schedule or these Policy Conditions, please contact your ADVISERTYPE. 1.2 The Policy Schedule will show whether your Policy is a Lifetime
More information(Only available if you have applied for a Decreasing Mortgage Cover Plan or a Level Protection Plan).
Mortgage protection Free cover (Only available if you have applied for a Decreasing Mortgage Cover Plan or a Level Protection Plan). At Zurich, we understand the importance of financial protection when
More informationNon-medical limits. A guide to our underwriting limits for protection products. For intermediary use only not for use with your clients
Non-medical limits A guide to our underwriting limits for protection products For intermediary use only not for use with your clients Life Single & Joint Life First Death Sum assured 17-35 36-40 41-45
More informationpension annuity transfer scheme
pension annuity transfer scheme Your questions answered June 2013 2151 Phoenix Q&A Guide 2013.indd 1 22/05/2013 09:47 Contents Please read this document with the enclosed Pension annuity transfer scheme
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 informationHow To Know If You Should Get A Life Insurance Policy From Friends Life And Pensions (Fscs)
Virgin Life Insurance Key Facts Policy Summary and Policy Conditions virginmoney.com Virgin Life Insurance Key Facts Policy Summary and Policy Conditions This document, together with any policy schedules,
More informationKey Annuities Features of the Just Retirement
Key Annuities Features of the Just Retirement Make Fixed Term your retirement Annuity income the best it can possibly be This brochure outlines the key features of the Just Retirement Fixed Term Annuity.
More informationTechnical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE. People you can trust- A company you can rely on
Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE People you can trust- A company you can rely on Who are Omnilife? Omnilife is a specialist insurer providing Group Risk benefits for employers that
More informationBenefits guide for the AJ Bell Investcentre SIPP
SIPP ISA GIA Benefits guide for the AJ Bell Investcentre SIPP SIPP ISA GIA Contents Introduction 3 SIPP benefits - the basics 3 Annuity, income drawdown and taxable lump sums - the commitments and risks
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 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 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 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 informationKEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES.
PEnSIon AnnuITIES KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. Helping you make the right decisions for your future INsuRANCe. savings. INVesTMeNT MANAGeMeNT. 01 Key features of Legal & General
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 informationA guide for customers
Pension Annuity A guide for customers Guaranteed income for life Pension Annuity If you re thinking... I want a secure income that is guaranteed to be paid for life, and I m not in the best of health.
More informationKEY 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 informationIn safe hands. Business protection for sole traders
In safe hands Business protection for sole traders How secure is your financial future? As a sole trader the success of your business depends on you your skills, your judgement, your drive. In turn you
More informationDraft Double Option Agreement for company share purchase following the death of a shareholder
Draft Double Option Agreement for company share purchase following the death of a shareholder This option agreement is provided in draft form for consideration by your legal advisers. They must undertake
More informationDraft Double Option Agreement for share purchase on death (including spousal shares)
Draft Double Option Agreement for share purchase on death (including spousal shares) This option agreement is provided in draft form for consideration by your legal advisers. They must undertake the responsibility
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 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 informationKEY FEATURES OF THE PHASED ANNUITY PLAN
KEY FEATURES OF THE PHASED ANNUITY PLAN The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Company Ltd, to give you this important information
More information