Critical Illness

With-Profits Past Performance

Each year insurers have to file regulatory returns. Larger insurers have to show their returns to policyholders who are paid out on 1st March - and we choose to file this information on a voluntary basis. Our 2009 - 2012 returns show the following

Completed Savings Plans for £50 per month (£600pa) -

2009 2010 2011 2012
After 10 years £7680 £8120 £8040 £7620
After 15 years£14000£14700£14400 £13400
After 20 years£24900£26200£25000 £22900
After 25 years£44200£47300£44500 £40000

25 Year Savings Plans for £50 per month cashed in early -

2009 2010 2011 2012
After 5 years£3050£3250£3210 £3040
After 10 years£7220£7870£7800 £7240
After 15 years£13100£14200£13900 £12800
After 20 years£22900£25400£24200 £21700

Open-ended Investment Plans for £10,000 cashed in -

2009 2010 2011 2012
After 2 years£10600£10400£10400 £10400
After 3 years£11100£11100£11200 £11000
After 5 years£12900£13100£12900 £12000
After 10 years£16600£17500£17500 £16900
After 15 yearsn/a£28200£26800 £24200

Please note that -

  • All the above returns discharge liability to basic rate tax. There is a liability to 20% tax on profits for higher rate taxpayers - but not for Savings Plans held for 10+ years
  • Past Performance is not a reliable guide to future returns

Not all of our products appear in the regulatory returns, particularly our 5 year plan and our lump sum ISA. The
comparable figures at 1st March for these are -

Completed Savings Plans for £50 per month (£600pa) -

2009 2010 2011 2012
After 5 years £3250 £3350 £3310 £3200

Please note that -

  • The 5 year plan returns above discharge liability to basic rate tax. There is a liability to 20% tax on profits for higher rate taxpayers
  • Past Performance is not a reliable guide to future returns

Open-ended ISA for £10,000 cashed in -

2009 2010 2011 2012
After 2 years£10700£10500£10400 £10400
After 3 years£11200£11300£11300 £11100
After 5 years£13200£13500£13200 £12300
After 10 yearsn/a£n/a£18300 £17700

Please note that -

  • The ISA returns above have been pro-rated for ease of comparison, as the ISA limits have not always exceeded £10,000
  • Past Performance is not a reliable guide to future returns