We’ve produced documents to let you know our principles of how we manage our with-profits policies. They also explain:

• how we put our principles into practice;
• how we invest your money in our with-profits policies; and
• how we add bonuses to your policy.

To view the Principles and Practices of Financial Management (PPFM) that relates to your policy documentation please choose the correct link below.

We’ve produced annual reports for our with-profits policyholders. They show you:

• how we managed our with-profits business during the last year, in line with our PPFM;
• what we’ve done to make sure we treat you fairly; and
• a statement from our With-Profits Actuary explaining how this fund has been managed.

We have produced separate reports for each of our with-profits funds. Our reports for 2009 are available below. Select the appropriate link for the report for the with-profits fund your policy is invested in. If you’re not sure which link you need you can contact us by following this link.