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
|
|
Conventional Pensions sold before 1997
|
Other LVFS products
The following policies were issued by LV= or companies acquired by LV= in the past
Heritage
- Accidental Death Benefit
- Bond (ex-unitised With-Profits)
- Decreasing Term Assurance
- 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
- Permanent Profit Plan
- Retirement Annuity Term Assurance
- Retirement Term Assurance
- Senior Plan
- Taxable endowment (ex-conventional With-Profits)
- Taxable whole-of-life (ex-conventional With-Profits)
- Term Assurance
- Whole-of-life policies
- Whole-of-life policies (ex-conventional With-profits)
Protection
|
|
Savings and Retirement
- Flexible Transitions Account (includes Personal Pension, Drawdown and SIPP)
- Immediate Care Fees Plan (a tax advantaged Purchased Life Annuity)
- LV= Annuity
- LV= ISA
- Monthly Cash Policy (MCP)
- Pension Annuity
- Protected Retirement Plan (includes individual and Trustee Investment Plan versions)
- Rebate Only Plan
- Smoothed Managed Funds Pension
- Smoothed Managed Funds Trustee Investment Plan
- Transitions Retirement Plan
- Trustee Investment Plan
Teachers Assurance
The following policies were issued by Teachers Assurance and are now looked after by LV=. Find out more about Teachers Assurance products.
With-profits products
|
|
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
The following policies were issued by Royal National Pension Fund for Nurses and are 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