Introduction

The With-Profit Bond is for lump sum investments; the minimum investment is £1,000 but there is no maximum limit. We have been providing reliable growth on their investments to our members since the launch of the bond in 1994.

We also have a version of the Bond that pays an income of 5% each year. The capital return on this is not guaranteed, and relies on our future investment performance.

When you apply for our Bond, we will ask you to choose which version you want - Growth where your investment grows with the addition of bonuses until you want to cash it in, or Income where you will receive an annual income of 5% of the initial investment, on each policy anniversary.

Our ISA is also able to accept lump sum investments, it pays a higher rate of bonus reflecting the tax savings that we receive. There are limits on how much you can save in an ISA each year, in 2008/09 you can save at least £3,600 with us as well as taking out a cash ISA - if you have not used your allowance yet.