• This is general product guidance only. It is not a comprehensive guide to the terms and conditions of your policy. If there is any discrepancy between this guide and your policy terms and conditions, or HM Revenue and Customs (HMRC) rules; then those terms and conditions, or rules, will apply to your policy in preference to this guide. In all cases, we recommend that you look at your policy document for the terms and conditions that apply to your policy. If you are in any doubt, we recommend that you take your own independent legal or financial advice as to its terms and conditions or any HMRC rules.
  • This guide covers with-profits low cost endowments only, and not unit-linked policies.