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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.
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.
Most policies taken out from January 1997 onwards are unitised with-profits policies. If you have a unitised with profits policy you will need this guide.
Flexible Guarantee Bond (all series), Flexible Guarantee Funds (all series), All-In-1 Investment Bond, Guaranteed Capital Bond or the Flexi Guarantee Plan
If you have invested in, or are considering investing in the Flexible Guarantee Bond (Series 3), Flexible Guarantee Funds (Series 2) or if you have invested in the Flexible Guarantee Funds, Flexible Guarantee Bond, Flexible Guarantee Bond (Series 2), All-in-1 Investment Bond, Guaranteed Capital Bond or the Flexi Guarantee Plan you will need this guide.
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.