What is a with-profits fund?
Where we invest your money…
Our property portfolio
What is smoothing?
How we manage our with-profits fund
The premiums you pay in to your with-profits policy are invested in our long-term business fund. These documents explain how we manage the fund and what you might expect to get back from your policy. Please find below links to our Principles and Practices of Financial Management (PPFM), the terms of reference for our with-profits advisory arrangement (responsible for with-profits governance) and our most recent annual report to with-profits policyholders (outlining our compliance with the PPFM). The PPFM is a relatively complex and technical document, so please contact us if you need any assistance.