How your child's investment could grow
Because your investment is linked to a range of assets it’s impossible to tell you the exact return your child may get in the future - but we can give you a rough idea.
The chart below provides examples of what you could get back in the future based on a payment amount which is lower than that shown in the Key Information Document.
Projected returns on £25 per month invested over 10 and 15 years*

Projected returns for illustration only. Remember your original investment is not guaranteed and the child could get back less than the amounts shown.
You can see in the illustrations above that the lower projected growth rate of 1.5% a year provide returns which are less than the total paid in over a 10 and 15-year term. This is due to the effect of charges in the first two years and cost of life cover for the duration of the bond.
* Based on a child aged 6 next birthday. Total amount invested over 10 years is £3,000 and over 15 years is £4,500. Based on current tax law, which may change.
These figures are only examples and are not guaranteed. They are based on premiums being paid for the full 10 or 15 years. They are not minimum or maximum amounts. The guaranteed minimum cash sum depends on your premium and the duration of the bond. What the child gets back depends on how the investment grows and on the tax treatment of the investment. Do not forget that inflation would reduce what the child could buy in the future with the amounts shown. (For more details on the effect of charges on the bond, please see the Product Guide).
The annual rates of growth for the illustration have been based on our reasonable estimate of potential returns and are subject to the maximum projection rates permissible by the Financial Conduct Authority. All the figures include the deduction of the actual charges assumed on the bond. These charges may vary in future. Figures are only examples and the projected benefits are not guaranteed.
Each year we will send you a statement showing the bond's current value.