|
|
This page relates to the Windsor Life With-Profit Fund
Current With-Profits Policy Bonus Rates
Bonuses are additions to the benefits payable on with-profits policies. You
can find more information about how bonuses are added to different
types of policy in the Windsor Life With-Profit Fund in our Principles
and Practices of Financial Management (PPFM) Document.
1. Traditional With-Profits Policy Reversionary Bonus Rates
|
Product |
to 31/12/2010* |
to 31/12/2009 |
| % of Sum Assured |
% of Existing Bonuses |
% of Sum Assured |
% of Existing Bonuses |
| New Series |
2.00% |
2.50% |
1.00% |
1.50% |
| Old Series (rate depends on year of inception) |
up to 58.50% |
- |
up to 28.50% |
- |
| Home & Savings |
5.00% |
5.00% |
0.10% |
0.10% |
| Minor Profits |
2.25% |
2.25% |
1.50% |
1.50% |
| NZI |
3.75% |
3.75% |
2.75% |
2.75% |
| Deferred Annuity - Funded for Pension |
2.25% |
2.25% |
1.25% |
1.25% |
| Deferred Annuity - Funded for Cash |
0.10% |
0.10% |
0.10% |
0.10% |
| SEPP - old series |
0.25% |
0.25% |
0.10% |
0.10% |
| SEPP - new series |
0.25% |
0.25% |
0.10% |
0.10% |
| EPP |
1.25% |
1.25% |
0.25% |
0.25% |
| Major Profits |
4.50% |
4.50%
|
3.50% |
3.50% |
| UK Life (rate depends on year of inception) |
0.20% of sum assured for each year in force |
0.10% of sum assured for each year in force |
Structured Settlements
commencing before 01/07/2002 |
3.00% |
- |
3.00% |
- |
Structured Settlements
commencing 01/07/2002 onwards |
4.00% |
- |
4.00% |
- |
With Profit Pension Annuity
commencing before 01/07/2008 |
4.00% |
- |
3.50% |
- |
With Profit Pension Annuity
commencing between 01/07/2008 and 31/12/2009 |
5.25% |
- |
4.00% |
- |
With Profit Pension Annuity
commencing 01/01/2010 onwards |
4.50% |
- |
4.00% |
- |
* The 31/12/2010 rate on ex-Gresham policies applies to the policy
year ending in 2011.
* The 31/12/2010 rate on Structured Settlements and With Profit Pension Annuity applies to policies reaching their anniversaries from 1/5/2011; the 31/12/2009 rate applied from 1/5/2010.
* The 31/12/2010 rate on the other policies applies to the calendar year 2011.
 Please click here to
access our With-Profit Bonus Q&A document. (67Kb)
2. Current Unitised With-Profits Bonus Rates
| Product |
Bonus Rate |
Effective Date |
| Preserve & Profit - Series 1 |
4.75% |
01/04/2011 |
| Preserve & Profit - Series 2 |
4.50% |
01/04/2011 |
| Preserve & Profit - Series 3 |
4.25% |
01/04/2011 |
| Preserve & Profit - Series 4 |
4.50% |
01/04/2011 |
| Preserve & Profit - Series 5 |
4.00% |
01/04/2011 |
| Preserve & Profit - Series 6 |
5.00% |
01/04/2011 |
| Preserve & Profit - Series 7 |
5.50% |
01/04/2011 |
| Preserve & Profit - Series 8 |
6.00% |
01/04/2011 |
| Preserve & Profit - Series 9 |
4.50% |
01/04/2011 |
| Preserve & Profit - Series 10 |
4.50% |
01/10/2011 |
| Mortgage Endowment - Series 1 |
3.75% |
01/04/2011 |
| Aegon Life Regular - Life Series |
4.50% |
01/04/2011 |
| Aegon Pension Single - Series 2 Initial |
1.75% |
01/04/2011 |
| Aegon Pension Single - Series 2 Accum |
5.00% |
01/04/2011 |
| Aegon Pension Single - Series 3 Initial |
2.00% |
01/04/2011 |
| Aegon Pension Single - Series 3 Accum |
5.25% |
01/04/2011 |
| Aegon Pens Regular (incl SERPS) - Series 2 Initial |
1.75% |
01/04/2011 |
| Aegon Pens Regular (incl SERPS) - Series 2 Accum |
5.00% |
01/04/2011 |
| Aegon Pens Regular (incl SERPS) - Series 3 Initial |
2.00% |
01/04/2011 |
| Aegon Pens Regular (incl SERPS) - Series 3 Accum |
5.25% |
01/04/2011 |
| Product |
Added Interest |
Personal, Flexible & Group Pension
(effective from 01/01/2009) |
5.00% (guaranteed rate) |
Individually Funded Schemes [Guaranteed 5.75%]
(effective from 01/04/2009) ** |
5.75% (guaranteed rate) |
Individually Funded Schemes [Guaranteed 4.75%]
(effective from 01/01/2009)** |
4.75% (guaranteed rate) |
** bonus rates apply from next policy anniversary.
3. Deposit Admin and Guaranteed Fund Rates
| Fund |
Bonus Rate |
Effective Date |
| Deposit Admin Fund |
4.00% |
01/08/2002 |
| Guaranteed Fund |
5.00% |
01/08/2002 |
4. Traditional With-Profits Policy and Unitised With-Profits Final (Terminal)
Bonus Rates (last updated 23 September 2011)
- Click here to view current terminal
bonus rates for Traditional with-profits life policies (including
new series, old series, minor profits, major profits, UK Life and
NZI life policies). (13Kb)
- Click
here to view current terminal
bonus rates for Unitised with-profits life policies (including
preserve & profit, mortgage endowment and Aegon life regular
policies). (10Kb)
- Click here to view current terminal
bonus rates for Traditional with-profits pension policies (including
deferred annuities, EPP and SEPP policies). (16Kb)
- Click here to view current terminal
bonus rates for Unitised with-profits pension policies (including
personal, flexible and group pensions, individually funded schemes
and Aegon pensions). (12Kb)
Final (or Terminal) Bonuses may vary or be removed at any time and are
therefore not guaranteed. For Market Value Reduction information for the Windsor Life With-Profit Fund,
please click here. Capitalised
Terminal Bonus (CTB) series, With-Profit Annuities and Structured Settlement policies do
not receive terminal bonuses.
If you need further information on your plan call us on 0800 073 1777.
If you are calling from outside the UK, please call 00-44-1952-292929.
Please have your policy number to hand.
Back to top
|
|
