Introduction

Today, more than ever, we need to make the extra effort to plan ahead. We have seen the folly of not saving. Whilst many still think that saving is for later in life, we can show you the value of a little prudent saving - now!

Our 5 Year Plan has long been our most popular savings plan as our low costs enable us to provide attractive returns after only 5 years. Many of our members value the ability to pay us through salary deduction - so much so that many of them take out several new plans each year - setting up a pattern of happy financial returns year after year.

As well as the 5 Year Plan, we have now two good alternatives to offer you, each with a greater exposure to the equity market.

• The metfriendly Flexible Savings Plan has no medical underwriting nor age limits. Each year's payments form a separate plan that you can cash in at any time, leaving you in complete control of your savings. You have the freedom to vary premiums and to cash in some or all of your savings, although the Flexible Savings Plan is designed as a medium to long term investment. To maximise that freedom, where you save at least £60 a month over a year, we will split those savings into two or more contracts or "plan segments"
• The metfriendly ISA is just like our other savings plans where your payments are invested in the metfriendly With-Profits Fund, but you benefit from higher bonuses and no tax to pay on the profits. Please note that our ISA is designed as a medium to long term investment, and that we do not offer a Cash ISA.