The 'Your guide to how we manage our with-profits fund' documents include information on:
There are different versions of the guide available depending on what with-profits product you have or are considering investing in. The different versions are listed below.
'Your guide to how we manage our with-profits fund' is a customer friendly version of a more technical document called the 'Principles and Practices of Financial Management' (PPFM) which we use to manage the with-profits fund. You can see the PPFM document(s) here.
Most policies taken out with Liverpool Victoria Friendly Society Limited before 1997 will be conventional with-profits policies and the document below should be the relevant guide for you. If you have a With Profits Pension Annuity you will also require this version.
If you have a Flexible Whole Life Plan or Appropriate Personal Pension Plan, you will require the accumulating with-profits version of the guide below.
Most policies taken out from January 1997 onwards are unitised with-profits policies. If you already have a unitised with profits policy or are considering taking out a Flexible Savings Plan you will need the guide below.
Guaranteed Capital Bond or Flexi Guarantee Plan.
If you have invested in, or are considering investing in the Flexible Guarantee Bond (Series 2) or if you have invested in the Flexible Guarantee Bond, All-in-1 Investment Bond, Guaranteed Capital Bond or the Flexi Guarantee Plan you will need the guide below.
If you have or are considering taking out a Pension Income Plus Annuity, you will need the guide below.
If you took out a with-profits policy through RNPFN (a policy which was underwritten by RNPFN, before they were acquired by Liverpool Victoria), you will need the RNPFN version of the guide.