This page relates to the Windsor Life With-Profit Fund
Current With-Profit Policy Bonus Rates
Bonuses are additions to the benefits payable on with-profit 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-Profit Policy Reversionary Bonus Rates
|
Product |
to 31/12/2009* |
to 31/12/2008 |
| % 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 28.50% |
- |
up to 27.75% |
- |
| Home & Savings |
0.10% |
0.10% |
0.10% |
0.10% |
| Minor Profits |
1.50% |
1.50% |
1.50% |
1.50% |
| 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 |
0.10% |
0.10% |
0.10% |
0.10% |
| SEPP - old series |
0.10% |
0.10% |
0.10% |
0.10% |
| SEPP - new series |
0.10% |
0.10% |
0.10% |
0.10% |
| EPP |
0.25% |
0.25% |
0.25% |
0.25% |
| Major Profits |
3.50% |
3.50% |
3.50% |
3.50% |
| UK Life (rate depends on year of inception) |
0.10% 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 |
3.50% |
- |
3.00% |
- |
With Profit Pension Annuity
commencing 01/07/2008 onwards |
4.00% |
- |
3.00% |
- |
* The 31/12/2009 rate on ex-Gresham policies applies to the policy
year ending in 2010.
* The 31/12/2009 rate on Structured Settlements and With Profit Pension Annuity applies to policies reaching their anniversaries from 1/5/2010; the 31/12/2008 rate applied from 1/5/2009.
* The 31/12/2009 rate on the other policies applies to the calendar year 2010.
 Please click here to
access our With-Profit Bonus Q&A document. (67Kb)
2. Current Unitised With-Profit Bonus Rates
| Product |
Bonus Rate |
Effective Date |
| Preserve & Profit - Series 1 |
4.00% |
01/04/2010 |
| Preserve & Profit - Series 2 |
3.50% |
01/04/2010 |
| Preserve & Profit - Series 3 |
3.50% |
01/04/2010 |
| Preserve & Profit - Series 4 |
3.50% |
01/04/2010 |
| Preserve & Profit - Series 5 |
3.25% |
01/04/2010 |
| Preserve & Profit - Series 6 |
4.00% |
01/04/2010 |
| Preserve & Profit - Series 7 |
4.50% |
01/04/2010 |
| Preserve & Profit - Series 8 |
5.25% |
01/04/2010 |
| Preserve & Profit - Series 9 |
3.25% |
01/04/2010 |
| Preserve & Profit - Series 10 |
4.50% |
01/04/2010 |
| Mortgage Endowment - Series 1 |
3.00% |
01/04/2010 |
| Aegon Life Regular - Life Series |
4.00% |
01/04/2010 |
| Aegon Pension Single - Series 2 Initial |
0.50% |
01/04/2010 |
| Aegon Pension Single - Series 2 Accum |
3.75% |
01/04/2010 |
| Aegon Pension Single - Series 3 Initial |
0.75% |
01/04/2010 |
| Aegon Pension Single - Series 3 Accum |
4.00% |
01/04/2010 |
| Aegon Pens Regular (incl SERPS) - Series 2 Initial |
0.50% |
01/04/2010 |
| Aegon Pens Regular (incl SERPS) - Series 2 Accum |
3.75% |
01/04/2010 |
| Aegon Pens Regular (incl SERPS) - Series 3 Initial |
0.75% |
01/04/2010 |
| Aegon Pens Regular (incl SERPS) - Series 3 Accum |
4.00% |
01/04/2010 |
| Product |
Added Interest |
Personal, Flexible & Group Pension
(effective from 01/04/2010) |
5.00% (guaranteed rate) |
Individually Funded Schemes [Guaranteed 5.75%]
(effective from 01/04/2010) ** |
5.75% (guaranteed rate) |
Individually Funded Schemes [Guaranteed 4.75%]
(effective from 01/04/2010)** |
4.75% (guaranteed rate) |
** bonus rates apply from next policy anniversary following 01/04/2010.
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-Profit Policy and Unitised With-Profit Final (Terminal)
Bonus Rates (last updated 28 June 2010)
- Click here to view current terminal
bonus rates for Traditional with-profit life policies (including
new series, old series, minor profits, major profits, UK Life and
NZI life policies). (93Kb)
- Click
here to view current terminal
bonus rates for Unitised with-profit life policies (including
preserve & profit, mortgage endowment and Aegon life regular
policies). (78Kb)
- Click here to view current terminal
bonus rates for Traditional with-profit pension policies (including
deferred annuities, EPP and SEPP policies). (97Kb)
- 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). (89Kb)
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.
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