How we manage our with-profits funds
We manage several with-profits funds. Please read through the following information to identify which guide is relevant to you.
If in doubt, please refer to your policy documents, or you can contact us on 0845 640 5261 (for textphone please dial 18001 first). Lines are open 9am to 5pm Monday to Friday.
We may record and/or monitor your call for training and audit purposes.
Liverpool Victoria Friendly Society Limited with-profits fund
There are four guides available for this with-profits fund. The relevant version depends on what with-profits product you have, or are considering investing in.
Conventional with-profits policies
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, or are considering a With Profits Pension Annuity you will also require this version.
Accumulating with-profits policies
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.
Unitised with-profits policies
Policies taken out from January 1997 onwards are mainly unitised with-profits policies. The exceptions are a limited number of conventional with-profits policies sold during 1997 and 1998 - these will state the words "Industrial Branch" on the policy document and will require the conventional with-profits version of the guide.
If you are thinking about taking out a with-profits policy, you will require the following unitised version, unless you are considering the With Profits Pension Annuity (conventional with-profits version of guide as above).
All-In-1 Investment Bond, Guaranteed Capital Bond, Flexi Guarantee Plan or Flexible Guarantee Bond
If:
- you've invested in the All-In-1 Investment Bond, Guaranteed Capital Bond or Flexi Guarantee Plan, or
- you've invested in, or are considering investing in, the Flexible Guarantee Bond
the following guide will be relevant to you.
RNPFN
If you took out a with-profits policy through RNPFN (a policy which was underwritten by RNPFN, before they were acquired by Liverpool Victoria Life Company Limited), you will require the RNPFN version of the guide.
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You can get these and other documents from us in Braille, large print or audiotape by contacting us.
