Our with-profits management
We’re committed to treating customers fairly and believe we should be completely transparent about how we manage our with-profits business. In this section, you can read all the documents we produce to help your clients understand with-profits and how we manage them. These include our Principles and Practices of Financial Management (PPFM), which sets out in detail our management strategy and process, and annual report.
Principles and Practices of Financial Management (PPFM)
PPFM
The Financial Services Authority (FSA) requires all companies writing with-profits business to publish their Principles and Practices of Financial Management (PPFM). You can read ours here.
Customer-friendly PPFMs
If you’d like to read the shorter, more straightforward and easy-to-understand version of our PPFM, or download a copy for your clients, you can find it here.
Annual report to with-profits planholders
To find out exactly how we’ve managed our with-profits business over the last year, and how we’ve complied with the PPFM, read our annual report.