What’s a With-profits product?
With-profit products are long-term investment products where the premiums are pooled together in the with-profits fund and invested. Products that invest in the with-profits fund benefit from bonuses, smoothing (where the investor is cushioned from the ups and downs of the stock market) and/or other guarantees.
LVFS With-profits products
The following products were issued by LV= or friendly societies acquired by LV= a long time ago.
With-profits products
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Other LVFS products
These products were issued by LV=
Heritage
- Accidental Death Benefit
- Decreasing term assurance – mortgage linked
- Decreasing term assurance – family income benefit
- Level term assurance
- Life Cover Plan
- Mortgage Linked Life Cover
- Non-profit annuities
- OB Tax-exempt whole-of-life non-profit
- OB Taxable whole-of-life non-profit
- OB Taxable endowment non-profit
- Pension level term assurance
- Pension Linked Life Cover
- Pension Term Assurance
- Retirement Term Assurance
Protection
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Savings and Retirement
- Immediate Care Fees Plan (a tax advantaged Purchased Life Annuity)
- LV= ISA
- Pension Annuity
- Personal Pension
- Rebate Only Plan
- Retirement Annuity Term Assurance
- SIPP
- SIPP Drawdown
- Smoothed Managed Funds Trustee Investment Plan
- Transitions Retirement Plan
- Trustee Investment Plan
Permanent
Products issued by Permanent Insurance Company Limited (or were transferred to it from Contingent Life or Minster) and now looked after by LV=.
Product list
- Non-profit Annuities
- Permanent Profit Plan
- Whole-of-life policies
- Whole-of-life policies (ex-conventional with-profits)
Protection policies also included with “Other LVFS Products”
Teachers Assurance
Products issued by Teachers Assurance now looked after by LV=. Find out more about Teachers Assurance products.
With-profits products
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Other products
- Capital Investment Bond (2 series)
- Decreasing Term Assurance (mortgage linked, family income benefit)
- Deposit Sickness Benefit
- Flexible Savings Plan
- FSAVC Pension Plan (4 series)
- Investment Bond
- Level Term Assurance
- Non Profit Annuities
- OB Taxable endowment non-profit
- OB Taxable whole-of-life non-profit
- OB Tax-exempt whole-of-life non-profit
- Pension Decreasing Term Assurance
- Pension Level Term Assurance
- Personal Pension Plan (3 series)
- Personal Retirement Pension Account
- Stakeholder Pension Plan
- Surplus Contribution Account
RNPFN
Products issued by the Royal National Pension Fund for Nurses now looked after by LV=. Find out more about RNPFN products.
With-profits products
- Endowment
- Guaranteed Moneybuilder
- Liberty AddPlan
- Liberty Pension Plan
- Low Cost Endowment
- Moneybuilder aka Bonus-Sharing Moneybuilder
- ONE ISA
- Retirement Account Contract
- Whole Life
- With Profits Bond
Other products
- Decreasing Term Assurance – mortgage linked
- Investment Bond
- Non-profit annuities in Group Schemes
- Non-profit annuities from vested Moneybuilder (life) policies
- Non-profit annuities from vested pensions
- Non-profit deferred annuity – pension
- Maximum Investment Plan
- Term Assurance
- Whole-of-life
UIA
Products issued by UIA (Insurance) Limited now looked after by LV=.
Product list
- Bond (ex-unitised with-profits)
- Decreasing Term Assurance
- Senior Plan
- Taxable endowment
- Taxable endowment (ex-conventional with-profits)
- Taxable whole-of-life (ex-conventional with-profits)
- Taxable whole-of-life
- Term Assurance