The annual bonuses for our advised and legacy products have been added to our With-profits products as at 31 December 2020.

They are now “locked in” and cannot be changed and are net of charges; the bonus rate published is what your client actually receives.

Bonus rates for tax exempt and standard savings plans are applied to the sum assured and not the invested amount so are not directly comparable with the other rates.

The interim bonuses that now apply to surrenders or withdrawal transactions are available on request.