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Adviser Centre

Past Investment Products

Below is a list of investment products that are no longer available to new business. Some are still available for additional investments. Please see the relevant product for details.
Portfolio Bond
  • Open for additional investments into existing contracts only.
  • Minimum top up of £5,000.
  • Youngest life assured must be aged 89 or under.
  • No fixed term, but a client should aim to invest any additional investments for five years, ideally longer.
  • A choice of regular withdrawals:
  • A fixed amount,
  • A percentage of the investment’s value, or
  • Natural income.
  • Invest in up to 50 funds at any one time.
  • Has a range of over 120 funds from more than 20 different fund managers.

The value of an investment can fall as well as rise and a client may get back less than they invest. 

Portfolio Bond Key Features for Additional Investments into Existing Contracts only (W13749)  PDF: 108KB

Portfolio Bond Product Guide (W13750)  PDF: 654KB

Portfolio Bond Additional Investment Application Form (W13751)  PDF: 482KB

Funds Key Features (W12735)  PDF: 346KB

Portfolio Bond, With Profits, Investment Bond and Discounted Gift Scheme Switch Form (W12738)  PDF: 138KB

Portfolio Bond (Cofunds)
  • Open for additional investments into existing contracts only.
  • Minimum top up of £5,000.
  • Youngest life assured must be aged 89 or under.
  • No fixed term, but a client should aim to invest any additional investments for five years, ideally longer.
  • A choice of regular withdrawals:
  • A fixed amount,
  • A percentage of the investment’s value, or
  • Natural income.
  • Invest in up to 50 funds at any one time.
  • Has a range of over 120 funds from more than 20 different fund managers.
  • Integrated with Cofunds platform to help you efficiently manage a client’s investments.

The value of an investment can fall as well as rise and a client may get back less than they invest.

Portfolio Bond Key Features for Additional Investments into Existing Contracts only (W13749) (PDF: 108KB)  

Portfolio Bond (Cofunds) Additional Investments application form (W13774)  PDF: 884KB

Funds Key Features (W12735)  PDF: 346KB

Portfolio Bond Product Guide (W13750)  PDF: 654KB

Portfolio Bond, With Profits, Investment Bond and Discounted Gift Scheme Switch Form (W12738)  PDF: 138KB

Select Portfolio Bond (Pre-RDR)
  • Open for additional investments into existing contracts only.
  • Minimum top up of £5,000.
  • Youngest life assured must be aged 89 or under.
  • No fixed term, but a client should aim to invest any additional investments for five years, ideally longer.
  • A choice of regular withdrawals:
  • A fixed amount,
  • A percentage of the investment’s value, or
  • Natural income.
  • Invest in up to 50 funds at any one time.
  • Has a range of over 120 funds from more than 20 fund managers.
  • Straightforward investment bond, with a clear charging structure, showing commission and product charges separately.

The value of an investment can fall as well as rise and a client may get back less than they invest. 

Select Portfolio Bond Additional Investment Application Form (W13792)  PDF: 316KB

Select Portfolio Bond Additional Investments Key Features (W13791)  PDF: 102KB

Funds Key Features (W12664)  PDF: 461KB

Product Guide (W12663)  PDF: 258KB

Select Portfolio Bond Fund Switch Form (W13505)  PDF: 42KB

With Profits Bond
  • Closed to new business and additional investments.
  • A choice of regular withdrawals:
    • A percentage of the total amount invested,
    • A percentage each year of the fund value,
    • A fixed amount each year, or
    • Bonus linked (for the With Profits Income Bond only), paying income at the interim bonus rate that applies.
  • A market value reduction may apply to regular withdrawals above the applicable interim bonus rate and to all one off withdrawals or switches out of With Profits.
  • You can find information on our With Profits Bonus Declaration here.

    The value of an investment can fall as well as rise and a client may get back less than they invest.  

With Profits Funds Guide (Q23600)

Switch Form (W12738)

Capital Control Bond
  • Closed to new business and additional investments.
  • Your customer's guarantee is stated on their policy schedule. The guarantees available were as follows:
    • Standard 10 Year Capital Guarantee. The guaranteed value on the tenth anniversary is the amount initially invested less any money taken out.1
    • 10 Year Guaranteed Return. The guaranteed value on the tenth anniversary is 10% more than the following amount: the amount initially invested less any money taken out of the bond.1
    • Five Year Capital Guarantee and 10 Year Capital Guarantee. The guaranteed value on the fifth and tenth anniversaries is the amount initially invested less any money taken out of the bond.1
    • Five Year Capital Guarantee and 10 Year Guaranteed Return. The guaranteed value on the fifth anniversary is the amount initially invested less any money taken out of the bond.1 The guaranteed value on the tenth anniversary is 10% more than the following amount: the amount initially invested less any money taken out of the bond.1
  • If the customer cashes in their bond during the claim period, they will receive the greater of the guaranteed value or the cash in value on the date we receive their written request.
  • If the customer doesn't cash in the bond, at the end of the claim period additional units will be added if the cash-in value is less than the guaranteed value. After the end of the claim period, the value of the bond can go up and down.
  • A choice of regular withdrawals:
    • A percentage of the total amount invested,
    • A percentage each year of the fund value,
    • A fixed amount each year, or
    • Bonus linked (for the Capital Control Income Bond only), paying income at the interim bonus rate that applies.
  • A Market Value Reduction may apply to regular withdrawals above the applicable interim bonus rate and to all one off withdrawals or switches out of With Profits.
  • Any guarantees that apply to your customer's bond at a future anniversary will be lost if they move out of With Profits. Please read the Contract Document for full details.

The amount taken off will be based on the value of units cancelled including those to cover any Market Value Reduction or early surrender charge.

The value of an investment can fall as well as rise and a customer may get back less than they invest.

You can find information on our With Profits Bonus Declaration here.

With Profits Funds Guide (Q23600)

Switch Form (W12738)

Capital Protection Bond
  • Closed to new business and additional investments.
  • Customers will have automatically received the 10 Year Capital Guarantee, and could have selected the 5 Year Capital Guarantee Option at the time of initial investment.
  • The guaranteed value is the amount initially invested less any money taken out.1
  • The guaranteed value only applies if the customer cashes in the whole value of the bond on the relevant anniversary of the bond, or during the next 10 working days.
  • A choice of regular withdrawals:
    • A percentage of the total amount invested,
    • A percentage each year of the fund value,
    • A fixed amount each year, or
    • Bonus linked (for the Capital Protection Income Bond only), paying income at the interim bonus rate that applies.
  • A Market Value Reduction may apply to regular withdrawals above the applicable interim bonus rate, and to all one off withdrawals or switches out of With Profits.
  • Any guarantees applicable to your customer's bond will be lost if they move out of With Profits. Please read the Contract Document for full details.

1 The amount taken off will be based on the value of units cancelled including those to cover any Market Value Reduction or early surrender charge.

The value of an investment can fall as well as rise and a customer may get back less than they invest.

You can find information on our With Profits Bonus Declaration here.

With Profits Funds Guide (Q23600)

Switch Form (W12738)

.

Capital Protection Plus Bond
  • Closed to new business and additional investments.
  • Your customer's guarantee is stated on their policy schedule. The guarantees available were as follows:
    • 10 Year Guaranteed Return. The guaranteed value on the tenth anniversary is 20% more than the following amount: the amount initially invested less any money taken out of the bond.1 The investment would have automatically received the 10 Year Guaranteed Return.
    • 5 Year Guaranteed Return. The guaranteed value on the fifth anniversary is 10% more than the following amount: the amount initially invested less any money taken out of the bond.1
  • The guaranteed value only applies if the customer cashes in the whole value of the bond on the relevant anniversary of the bond, or during the next 10 working days.
  • A choice of regular withdrawals:
    • A percentage of the total amount invested,
    • A percentage each year of the fund value,
    • A fixed amount each year, or
    • Bonus linked (for the Capital Protection Plus Income Bond only), paying income at the interim bonus rate that applies.
  • A Market Value Reduction may apply to regular withdrawals above the applicable interim bonus rate, and to all one off withdrawals or switches out of With Profits.
  • Any guarantees applicable to your customer's bond will be lost if they move out of With Profits. Please read the Contract Document for full details.

1 The amount taken off will be based on the value of units cancelled including those to cover any Market Value Reduction or early surrender charge.

The value of an investment can fall as well as rise and a customer may get back less than they invest.

You can find information on our With Profits Bonus Declaration here.

With Profits Funds Guide (Q23600)

Switch Form (W12738)

Investment Bond

The value of an investment can fall as well as rise and a client may get back less than they invest. 

Investment Bond Key Features for Additional Investments (W13770)  PDF: 107KB

Investment Bond and Investment Bond with Death Guarantee Additional Investment Application Form (W13772)  PDF: 332KB

Funds Key Features (W12715)  PDF: 120KB

Portfolio Bond, With Profits, Investment Bond and Discounted Gift Scheme Switch Form (W12738)  PDF: 138KB

Contract Document (W10194)  PDF: 241KB

Investment Bond with Death Guarantee

The value of an investment can fall as well as rise and a client may get back less than they invest.  

Investment Bond With Death Guarantee Key Features for Additional Investments (W13769)  PDF: 106KB

Investment Bond and Investment Bond with Death Guarantee Additional Investment Application Form (W13772)  PDF: 332KB

Funds Key Features (W12715)  PDF: 120KB

Portfolio Bond, With Profits, Investment Bond and Discounted Gift Scheme Switch Form (W12738)  PDF: 138KB

Contract Document (with Death Guarantee) (W9596)  PDF: 1.24MB

Discounted Gift Portfolio Bond
  • Closed to new business and additional investments.
  • Used for estate and inheritance tax planning.
  • Could use discretionary or absolute discounted gift trusts.
  • Provides the settlor/donor with fixed regular payments for the rest of their life.
Flexible Mortgage ISA
  • Open for additional plans for existing customers if:
  • their original plan offers the Further Mortgage Option, or
  • their original plan is not projected to reach the target amount.
  • Minimum contribution of additional plan is £7.52 each month.
  • Maximum contribution is £20,000 for the 2017/2018 tax year (over all ISAs).
  • A regular savings plan designed to help contribute to a mortgage repayment at the end of a specified term, or to pay a lump sum during the term of the plan if your client dies, or becomes eligible to claim terminal illness or critical illness benefits (if option applicable).
  • Part of the money put into the plan is invested in an ISA and part of it is used for life cover (and cost of critical illness/waiver of premium cover if applicable).
  • Additional plans will invest in the Legal & General UK Index Trust.

The value of an investment can fall as well as rise and a client may get back less than they invest.

Flexible Mortgage ISA Plan Key Features For An Additional Plan (W9448)  PDF: 98KB

Portfolio Regular Investment Plan
  • Closed to new business and additional investments.
  • Tax favoured regular whole of life savings plan.
  • A way of building up a lump sum over a period of 10 years or more.
  • A range of over 120 funds from more than 20 fund managers, including Legal & General.
  • Underlying investments taxed but the lump sum can be free from personal taxation.

Funds Key Features (W12664)  PDF: 461KB

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