With-Profit

We have a number of guides which explain With-Profits investment for different plan types.

Please click on any of the following links to access the appropriate guide:

Guides for new customers:

• Portfolio - Guide to investment in our With-Profit Funds
  (PDF - 103kb)
• Stakeholder With-Profit Fund - A guide to investing
  (PDF - 170kb)
• Guide to With-Profit Annuity Investment
  (PDF - 101kb)
• Guide to Conventional with-profits
  (PDF - 290kb)
• Guide to Pensions With-Profit Investment
  (PDF - 192kb)

These brochures are intended for new business customers and are normally issued at the point of sale.

They are intended as customer friendly versions of Norwich Union's Principles and Practices of Financial Management (PPFM).

Guides for existing customers:

• CGNU & CULAC Conventional Policies
  (PDF - 100kb)
• CGNU & CULAC Unitised Policies
  (PDF - 105kb)
• CGNU Stakeholder Policies
  (PDF - 99kb)
• NUL&P Conventional Policies
  (PDF - 103kb)
• NUL&P Unitised Policies
  (PDF - 102kb)
• NUL&P With-Profits Annuities
  (PDF - 105kb)
• Provident Mutual Conventional Policies
  (PDF - 100kb)
• Provident Mutual Conventional (Switched) Policies
  (PDF - 94kb)
• NUL(RBS) Unitised Policies
  (PDF - 80kb)

Our existing customers will receive a separate version of these documents each year along with their annual statement or bonus pack. We will use this to advise of any significant changes to the way in which we manage our With-Profit funds.

More detailed and technical information regarding the management of our With-Profit funds can be found on our main PPFM page here.