These are the 'Key Features' of the 5 Year Plan

"Why should I read this document"

The Financial Services Authority is the independent financial services regulator. It requires us, the Metropolitan Police Friendly Society, to give you this important information to help you decide if our 5 Year Plan is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.

We want you to be comfortable that you understand the 'Key Features' of this product before you decide to proceed. If you do not understand something in this document, please feel free to contact us.

Its aims

• To provide a lump sum at the end of 5 years' regular savings.
• To provide a death benefit during the 5 year term.
• To provide a guaranteed minimum benefit - the Sum Assured.

Your commitment

• You agree to save a regular monthly sum by salary deduction or direct debit.
• You must give us all medical and other information we ask for when applying for your plan and advise us of any material changes occuring after you complete your application form but before the plan starts.

Risks

• Your circumstances may change, forcing you to cash in early.
• If you cash in or stop paying premiums in the early years, then you may not get back as much as you pay in.
• Our charges may be higher than illustrated.
• What you get will depend on investment performance - returns may be lower than illustrated.