Principles and Practices of Financial Management

The following documents explain the Principles and Practices of Financial Management that Scottish Friendly apply in managing their With Profits funds and in ensuring that customers are treated fairly. Consumer friendly versions of these documents are also available.

• The PPFM for Conventional Ordinary Business (PDF) relates to our Scottish Bond, Child Bond, Prosperity Savings Plan, Regular Savings Plan and Family Savings Plan.
• The PPFM for Unitised Ordinary Business (PDF) relates to our Bonus Bond, Growth and Security Bond, Friendly Bonus ISA and Friendly MoneyBuilder
.
• The PPFM for Conventional Industrial Business (PDF) relates to business where home service agents originally collected policy premiums in cash.
• The PPFM for ex-Rational Shelley policies (PDF) relates to with-profits business transferred from Rational Shelley.
• The PPFM for ex-Scottish Legal Life policies (PDF) with-profits business transferred from Scottish Legal Life.
• The PPFM for ex-LANMAS policies (PDF) for with-profits business transferred from London Aberdeen & Northern Mutual Assurance Society.

The following documents are called the Consumer Friendly Principles and Practices of Financial Management (CFPPFM) and provide a summary of the contents of the PPFM.

• The CFPPFM for Conventional Ordinary Business (PDF) relates to our Scottish Bond, Child Bond, Prosperity Savings Plan, Regular Savings Plan and Family Savings Plan.
• The CFPPFM for Unitised Ordinary Business (PDF) relates to our Bonus Bond, Growth and Security Bond, Friendly Bonus ISA and Friendly MoneyBuilder.
• The CFPPFM for ex-Rational Shelley policies (PDF) relates to with-profits business transferred from Rational Shelley.
• The CFPPFM for IB Business (PDF) relates to where home service agents originally collected policy premiums in cash.
• The CFPPFM for ex-Scottish Legal Life policies (PDF) relates to with-profits business transferred from Scottish Legal Life.
• The CFPPFM for ex-LANMAS policies (PDF) relates to with-profits business transferred from London Aberdeen & Northern Mutual Assurance Society.

Scottish Friendly's Report to With Profits Policyholders for 2008

You will need the Adobe Acrobat Reader (opens in a new browser window) to view the PDFs. If you do not have it you can download it for free from the Adobe website.