Product guides for existing customers

The Product Guides below are intended to provide you with an ‘at a glance’ guide to the most important features of your product.

As a result of reading one of these guides you may wish to:

read the more detailed information you received when you bought your product;
speak to one of our Customer Advisers;
or read the Principles and Practices of Financial Management (PPFMs) relating to your product. The “Principles and Practices of Financial Management” (PPFM) document explains in detail the management of the “with-profits fund”.

The following tables show the product guides (these will open as PDFs in new windows)...

Pensions

Product type (PDF)	Desciption	Last Updated
Individual Personal Pension Scheme - 0.1Mb	Unit-linked pension policy	December 2008
Stakeholder Pension Scheme - 0.1Mb	Unit-linked pension policy	December 2008
Personal Pension Scheme, Appropriate Personal Pension & Free-Standing Pension Scheme (FSAVC) - 0.1Mb	Traditional with-profits pension policy Unavailable to new customers	December 2008
Pension Annuity (Table P) - 0.1Mb	Traditional with-profits pension policy Unavailable to new customers	December 2008
Pension Transfer Plan (Option 32) - 0.1Mb	Traditional with-profits pension policy Used to transfer pension benefits from an ex-employer’s occupational pension scheme Unavailable to new customers	December 2008

Product type (PDF)	Desciption	Last Updated
Unit Trusts - 0.1Mb	Can be held inside or outside of a CIS Stocks & Shares ISA	December 2008
Platinum Bond Plus - 0.1Mb	With-profits investment bond	December 2008
Platinum Plus - 0.1Mb	With-profits savings plan; Can be held inside or outside of a CIS Stocks & Shares ISA Unavailable to new customers	December 2008
Endowments - 0.1Mb	Traditional with-profits savings policies Provides a lump sum at the end of the policy term or on earlier death Unavailable to new customers	December 2008

Product type (PDF)	Desciption	Last Updated
Level Term Assurance - 0.1Mb	Pays out a fixed lump sum on death before the end of the policy term	December 2008
Decreasing Temporary Assurance - 0.1Mb	Pays out a lump sum on death before the end of the policy term The lump sum decreases over the term of the policy	December 2008
Critical Illness Cover - 0.1Mb	Pays out a fixed lump sum on diagnosis of one of a specified number of critical illnesses before the end of the policy term	December 2008
Level Term Assurance with Critical Illness Cover - 0.1Mb	Pays out a fixed lump sum on death or earlier diagnosis of one of a specified number of critical illnesses before the end of the policy term	December 2008
Decreasing Temporary Assurance with Critical Illness Cover - 0.1Mb	Pays out a lump sum on death or earlier diagnosis of one of a specified number of critical illnesses before the end of the policy term The lump sum decreases over the term of the policy	December 2008
Income Benefit - 0.1Mb	Pays out an income for a specified period on death before the end of the policy term	December 2008
Whole Life Assurance - 0.1Mb	Pays out a lump sum on death Traditional with-profits policy	December 2008