With Profits Investment Fund

Your guide to how we manage our with-profits fund

The 'Your guide to how we manage our with-profits fund' documents include information on:

What the with-profits fund is
The aim of the with-profits fund
How the with-profits fund works
How returns on policies are decided
What bonuses we pay

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.

Conventional with-profits policies and With Profits Pension Annuity

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.

Your guide to how we manage our with-profits fund (conventional with-profits) (237 KB)

Accumulating with-profits policies (Flexible Whole of Life/Appropriate Personal...

...Pension).

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.

Your guide to how we manage our with-profits fund (accumulating with-profits plans) (272 KB)

Unitised with-profits policies post-1997

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.

Your guide to how we manage our with-profits fund (unitised with-profits) (432KB)

Flexible Guarantee Bond (inc. Series 2), All-in-1 Investment Bond...

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.

Your guide to how we manage our with-profits fund (All-In-1 Investment Bond, Flexible Guarantee Bond, Flexible Guarantee Bond Series 2, Guaranteed Capital Bond and Flexi Guarantee Plan) (281KB).

Pension Income Plus Annuity

If you have or are considering taking out a Pension Income Plus Annuity, you will need the guide below.

Your guide to how we manage our with-profits fund (Pension Income Plus Annuity) (281KB)

Customers with RNPFN policies

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.

Go to the RNPFN Principles and Practices page

You can also phone
If in doubt, please refer to your policy documents, or you can contact us on:

0845 850 0073
Textphone: 18001 0845 850 0073

We may record and / or monitor calls for training and audit purposes.