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Principles and Practices of Financial Management

 

Our Principles and Practices of Financial Management (PPFM) explain how we manage our With-Profits funds across each of product types, including business acquired by Scottish Friendly, and ensure that customers are treated fairly.

Consumer friendly versions of these documents are also available.

PPFM

Relates to our Scottish Bond, Child Bond, Prosperity and Regular Savings Plan and business where home service agents originally collected policy premiums in cash.
Relates to our Bonus ISA, MoneyBuilder, Mi-Bond, My Choice (ISA), My Select (ISA), My MoneyMaker (ISA), My Prosperity (ISA), My Style (ISA) and My MoneyBuilder (ISA).
Relates to with-profits business transferred from Rational Shelley.
Relates to with-profits business transferred from Scottish Legal Life.
For with-profits business transferred from London Aberdeen & Northern Mutual Assurance Society.
For with-profits business transferred from Marine & General Mutual.

CFPPFM

Relates to our Scottish Bond, Child Bond, Prosperity and Regular Savings Plan and business where home service agents originally collected policy premiums in cash.
Relates to our Bonus ISA and MoneyBuilder and Mi-Bond.
Relates to with-profits business transferred from Rational Shelley.
Relates to with-profits business transferred from Scottish Legal Life.
Relates to with-profits business transferred from London Aberdeen & Northern Mutual Assurance Society.
relates to with-profits business transferred from Marine & General Mutual.