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With-profits fund bonus declaration

Here you can see the regular bonus rates for the With-Profits Fund

The regular bonus rates declared in March 2025

The regular bonus rates added to the with-profits policies invested in the With-Profits Fund are set in March each year (though they can also be reviewed between annual declarations).

Product Regular Bonus Declared March 2025*
With Profits Pension Annuity – Series 1 & 2
 1.00%
With Profits Pension Annuity – Series 3 & 4 
(entry years 2007-2011)
 1.00%
Tax Free Savings Plan
 1.75%
With Profits Growth Bond, With Profits Investment Bond, Bank of Ireland Group / Liverpool Victoria With Profits Bond, MAX
 1.00%
With Profits Retirement Plan, Top Up Company Pension Plan, Flexible Personal Pension Plan
 1.50%
With Profits Life ISA
 0.50%
Flexible Savings Plan – Series 2, Flexible Savings Plan – Series 1, Regular Savings Plan, Mutual Investment Bond, Flexible Investment Bond, Family & Legacy Fund, Mortgage Savings Plan 1.50%
With Profits Income Bond 2.50%
Flexible Whole Life Plan 0.10% p.m.
Appropriate Personal Pension policies
 0.15% p.m.
Industrial Branch Life policies
 1.00%
Ordinary Branch Life policies
 2.00%
Ordinary Branch Pension policies
 0.00%
Product Regular Bonus Declared March 2025*
With Profits Pension Annuity – Series 1 & 2
 1.00%
With Profits Pension Annuity – Series 3 & 4 
(entry years 2007-2011)
 1.00%
Tax Free Savings Plan
 1.75%
With Profits Growth Bond, With Profits Investment Bond, Bank of Ireland Group / Liverpool Victoria With Profits Bond, MAX
 1.00%
With Profits Retirement Plan, Top Up Company Pension Plan, Flexible Personal Pension Plan
 1.50%
With Profits Life ISA
 0.50%
Flexible Savings Plan – Series 2, Flexible Savings Plan – Series 1, Regular Savings Plan, Mutual Investment Bond, Flexible Investment Bond, Family & Legacy Fund, Mortgage Savings Plan 1.50%
With Profits Income Bond 2.50%
Flexible Whole Life Plan 0.10% p.m.
Appropriate Personal Pension policies
 0.15% p.m.
Industrial Branch Life policies
 1.00%
Ordinary Branch Life policies
 2.00%
Ordinary Branch Pension policies
 0.00%

* The rates are effective from 1 March 2025, except for With Profits Pension Annuity where the rates are applied at policy anniversaries from 1 February 2025. The regular bonus rates declared for Industrial and Ordinary Branch policies are in respect of calendar year 2024.

Read about the Declared Investment Return for the Pension Income Plus Annuity (PIPA) product.

Further details of how LV= manages its with-profits business can be found in its Principles and Practices of Financial Management.

It is important to remember that past performance is not a guarantee of future returns as these depend on bonuses yet to be declared.