| Company Scottish Mutual
Company status Proprietary - Owned by Abbey National
Product Name: With Profit Bond
Product Type: Single premium unitised With Profits investment plan
Reversionary Bonus Rate 6.00%
Minimum Investment £5,000
Maximum Investment: £500,000
Minimum Age 18
Maximum Age 84
Age Related Allocation Reductions Where youngest life assured is 80 or over allocation is reduced to 98%
Evidence of health will be required for 70 year olds and above investing more than £250,000
Cash Back Payable 3%
Initial Charge Nil
Establishment Charge Nil
Early Surrender Charges
Year 1: 9%
Year 2: 7%
Year 3: 5%
Year 4: 3%
Year 5: 1%
Annual Management Charge on With Profits Fund 1.5% - Taken into account before calculation of Reversionary Bonus
Enhanced Allocation Rates and Bonuses
(see also Age Related Allocation Reductions above)
100% allocation on all sums then first year size related bonus paid by way of increasing units on a monthly basis over the first year: First year additional bonuses:
£15,000 - £19,999 0.75%
£20,000 - £49,999 1.5%
£50,000 + 2.5%
Company MGM Assurance
Company status: Mutual
Product Name Capital: Investment Bond
Product Type: Single premium unitised investment plan offering a range of different funds including With Profits and Cash
Reversionary Bonus Rate 5.5%
Minimum Investment £5,000
Maximum Investment: £250,000
Minimum Age None
Maximum Age 85
Age Related Allocation Reductions Allocation Reduced by 1% where youngest life assured is over 75
Cash Back Payable 3%
Initial Charge 5%
Establishment Charge Nil
Early Surrender Charges
Year 1: 4%
Year 2: 3%
Year 3: 2%
Year 4: 1%
Annual Management Charge on With Profits Fund 1% - Taken into account before calculation of Reversionary Bonus
Enhanced Allocation Rates and Bonuses
(see also Age Related Allocation Reductions above)
£5,000 - £7,499 101%
£7,500 - £14,999 102%
£15,000 - £29,999 103%
£30,000 +104%
Company Norwich Union
Company status: PLC
Product Name: Portfolio Bond
Product Type: Single premium unitised investment plan offering a range of different funds including With Profits and Cash
Reversionary Bonus Rate 5.75%
Minimum Investment £5,000
Maximum Investment: £1,000,000
Minimum Age 18
Maximum Age 89
Age Related Allocation Reductions None
Cash Back Payable 3%
Initial Charge Nil
Establishment Charge 0.5% per annum for first 5 years (1% pa for less than £10,000)
Early Surrender Charges
Year 1: 7%
Year 2: 6%
Year 3: 5%
Year 4: 3%
Year 5: 1%
Annual Management Charge on With Profits Fund 1% - Taken into account before calculation of Reversionary Bonus
Enhanced Allocation Rates and Bonuses
(see also Age Related Allocation Reductions above)
£5,000 - £9,999 101.6%
£10,000 - £24,999 102.1%
£25,000 - £49999 103.1%
£50,000 - £99,999 103.75%
£100,000 +104%
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