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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. The tables below
give the latest information on bonus rates as at 1st March 2008.
 Please click here to
access our With-Profits Bonus Q&A document. (67Kb)
1. Traditional With-Profits Policy Reversionary Bonus Rates
|
Product |
to 31/12/2007* |
to 31/12/2006 |
| % of Sum Assured |
% of Existing Bonuses |
% of Sum Assured |
% of Existing Bonuses |
| New Series |
1.00% |
1.50% |
1.00% |
1.50% |
| Old Series (rate depends on year of inception) |
up to 27.00% |
- |
up to 26.25% |
- |
| Home & Savings |
3.25% |
4.25% |
3.25% |
4.25% |
| Home & Savings (Special Bonus) |
- |
- |
10.00% |
10.00% |
| Minor Profits |
1.75% |
1.75% |
1.75% |
1.75% |
| NZI |
2.75% |
2.75% |
2.75% |
2.75% |
| Deferred Annuity - funded for pension |
1.25% |
1.25% |
1.25% |
1.25% |
| Deferred Annuity - funded for cash |
0.25% |
0.25% |
0.25% |
0.25% |
| SEPP - old series |
0.50% |
0.50% |
0.75% |
0.75% |
| SEPP - new series |
0.25% |
0.25% |
0.25% |
0.25% |
| EPP |
0.75% |
0.75% |
0.75% |
0.75% |
| Major Profits |
3.50% |
3.50% |
3.50% |
3.50% |
| UK Life (rate depends on year of inception) |
0.20% of sum assured for each year in force |
0.20% of sum assured for each year in force |
| Structured Settlements(Series 1) |
4.50% |
- |
4.25% |
- |
| Structured Settlements (Series 2) |
5.25% |
- |
5.00% |
- |
| With Profit Pension Annuities |
4.00% |
- |
3.00% |
- |
* The 31/12/2007 rate on ex-Gresham policies applies to the policy
year ending in 2008.
* The 31/12/2007 rate on Structured Settlements and With Profit Pension Annuities applies from 1/4/2008.
* The 31/12/2007 rate on the other polices applies to the calendar year 2008.
2. Current Unitised With Profit Bonus Rates
| Product |
Bonus Rate |
Effective Date |
| Preserve & Profit - Series 1 |
5.50% |
01/08/2007 |
| Preserve & Profit - Series 2 |
4.75% |
01/08/2007 |
| Preserve & Profit - Series 3 |
4.75% |
01/08/2007 |
| Preserve & Profit - Series 4 |
5.00% |
01/08/2007 |
| Preserve & Profit - Series 5 |
4.25% |
01/08/2007 |
| Preserve & Profit - Series 6 |
5.00% |
01/08/2007 |
| Preserve & Profit - Series 7 |
6.00% |
01/08/2007 |
| Preserve & Profit- Series 8 |
6.75% |
01/08/2007 |
| Preserve & Profit - Series 9 |
4.50% |
01/03/2008 |
| Mortgage Endowment - Series 1 |
4.25% |
01/08/2007 |
| Aegon Life Regular - Life Series |
5.50% |
01/08/2007 |
| Aegon Pension Single - Series 2 Initial |
2.00% |
01/08/2007 |
| Aegon Pension Single - Series 2 Accum |
5.25% |
01/08/2007 |
| Aegon Pension Single - Series 3 Initial |
2.25% |
01/08/2007 |
| Aegon Pension Single - Series 3 Accum |
5.50% |
01/08/2007 |
| Aegon Pens Regular (incl SERPS) - Series 2 Initial |
2.00% |
01/08/2007 |
| Aegon Pens Regular (incl SERPS) - Series 2 Accum |
5.25% |
01/08/2007 |
| Aegon Pens Regular (incl SERPS) - Series 3 Initial |
2.25% |
01/08/2007 |
| Aegon Pens Regular (incl SERPS) - Series 3 Accum |
5.50% |
01/08/2007 |
| Product |
Added Interest |
Personal,Flexible & Group Pension
(effective from 01/03/2007) |
5.00% guaranteed + 1.50% bonus, totalling 6.50% |
Individually Funded Schemes [Guaranteed 5.75%]
(effective from 01/03/2007) ** |
5.75% guaranteed + 1.75% bonus, totalling 7.50% |
Individually Funded Schemes [Guaranteed 4.75%]
(effective from 01/03/2007)** |
4.75% guaranteed + 1.75% bonus, totalling 6.50% |
** bonus rates apply from next policy anniversary following 01/03/07.
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 Profit Final (Terminal)
Bonus Rates
- 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). (62Kb)
- Click
here to view current terminal
bonus rates for Unitised-With-Profit life policies (including
preserve & profit, mortgage endowment and Aegon life regular
policies). (61Kb)
- Click here to view current terminal
bonus rates for Traditional With-Profits pension policies (including
deferred annuities, EPP and SEPP policies). (68Kb)
- Click here to view current terminal
bonus rates for Unitised-With-Profit pension policies (including
personal, flexible and group pensions, individually funded schemes
and Aegon pensions). (64Kb)
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 and Structured Settlement policies do
not receive terminal bonuses.
If you need further information on your Plan call us on 0870 887 3333.
If you are calling from outside the UK, please call 00-44-1952-292929.
Please have your policy number to hand.
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