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.
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.
For with-profits business transferred from Canada Life – Manulife sub-fund.
An outline of how the Principles and Practices of Unitised With-Profits PPFM have changed over the years.
An outline of how the Principles and Practices of Conventional With-Profits PPFM have changed over the years.