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RFPN/LV Moneybuilder

OH has a RNPFN Moneybuilder policy that was taken over by LV some years ago. It was one of these tiny amounts per month ones that we almost forgot about. It just matured and the choice is roughly £10k tax free or £800 single life level annuity. Any thoughts? The letter says the annuity will be taxed at BR but I assume this is subject to PA? We don't particularly need the lump sum at the moment.

Another point is that the letter says the annuity would start 6 months after her next birthday whereas the policy gives a specific date that is circa 5 months sooner than that so I assume I could insist on the earlier date?


thanks
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