• If you have a with-profits policy started with Phoenix Assurance prior to 1989.
• If you have a with-profits policy that was started with Bradford Insurance prior to 1972.
• If you have a with-profits policy that was started with Swiss Life prior to 1990 (not policies that were formerly part of the Swiss Life OB or IB Funds).

If you have a traditional with-profits policy started with Swiss Life in 1992 or later, or a policy started earlier with Swiss Pioneer Life, Pioneer Mutual, Blackburn Assurance, Blackburn Philanthropic, Stamford Mutual, Royal Co-operative Benefit Society, Loyal Endeavour Friendly Society, City of Birmingham Friendly Society or the National Friendly Collecting Society.

Unit-linked pensions policies that were started with Swiss Life with an option to invest in Pension With-Profits Fund units.

Policy formerly with Allianz Cornhill Insurance prior to transfer to Britannic Unit Linked Assurance in 2006