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You asked: How are MVR levels determined?

We calculate market value reduction (MVR) levels by comparing unit values (including any Final Bonus) of the with-profits plans in force with the actual value of the underlying assets.

An MVR is the reduction in the value of the units, which will make any payout to a customer fair and consistent with the value of the underlying assets. We keep MVR levels under constant review. We change them in line with our MVR review strategy depending on market conditions.

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