Life Assurance Provisions

71vintage

Can anyone send details of Unit-Linked LIfe Assurance Policy Provisions (the booklet you get with your Policy) issued around 2000 - 2001?

kingstreet

That would depend on the provider/insurer concerned.

Each one had its own terms and conditions. In addition, each plan had terms and conditions, so you could have several for each provider/insurer.

71vintage

Hi - thanks for your response.

I am trying to get hold of some Unit-linked Policy Provisions issued around 2000/2001 to compare with mine.

Ideally those from Scottish Mutual, Swiss Life Uk, NPI, Royal Life or London Life.

I only want a copy of the Policy Provisions booklet - and NOT the Schedule which would have the Policyholders personal info.

Can you help me with this?

dunstonh

Ideally those from Scottish Mutual, Swiss Life Uk, NPI, Royal Life or London Life.

Some pretty obscure ones there. Most of those were tied agents or had multiple distribution channels (and different versions). Not even sure NPI were retailing whole of life assurance in 2000/1 as they were part of Pearl at that point and I think they only had investment bonds and pensions left.

Prudential have an online library of policy documentation including legacy company versions. You may find their versions and legacy company versions online.

71vintage

Thanks.

I have just had a look, but cannot find any U/L WoL Life Products.

FYI I am trying to compare the charges various companies made around that time, and how explicit they were.

All help gratefully received and appreciated.

dunstonh

FYI I am trying to compare the charges various companies made around that time, and how explicit they were.

These types of plans were unusual by the early 2000s. Those that were left were not great. Enough to pass FSA requirements at that time, but that is about it. Nothing like what you would expect to see today.

The last U/L WOL plan I did was 20 years ago. So, nothing on file for your period. Sorry.

71vintage

Thanks

Just for the record, I am talking about Unit-Linked plans invested in Managed Funds etc., not U/L W/P.

71vintage

Just to sum up - what i am looking for is a set of Policy Provisions issued by a UK life assurance company around 2000/2001 for a unit-linked Whole of Life policy. This is the type of policy often linked to a 'Managed Fund'.

The Policy Provisions will enable me to compare the transparency of their charging structure against similar policies issued around that time, for research purposes.

Please note I do NOT want any personal details, just the issuing company's 'small print' in their Provisions.

All help gratefully received.