Our with profits committee
In 2005, Aviva was one of the first companies to introduce a with profits committee. The committee was established to ensure fairness to customers is embedded in our With-Profits decision-making.
Brian Duffin MA, FFA, CCMI (Chairman)
Brian is an actuary with over 40 years’ experience working in the life and pensions industry.
He spent over 20 years of his career at Scottish Life, where he became the Group Chief Executive between 1999 - 2001. After the merger between Scottish Life and Royal London, Brian was appointed Director, then Executive Director of the Royal London Group, (this included Chief Executive responsibility for Scottish Life & the Chairmanship of Scottish Life International).
Since 2007, Brian has undertaken a wide range of Non-Executive roles. Current positions include Chair of Audit Committee and Non-Executive Director of the Debt Management Office (which is the agency of HM Treasury responsible for issuance of government debt and other market functions); Chairman of the GEC Pension Scheme; Non-Executive Director of NFU Mutual Insurance Society Limited; Trustee and Chair of Audit and Investment Committee of Medical Research Scotland. This is a charity established by statute to promote medical research in Scotland. Vice-Chairman of the Church of Scotland Investors Trust (which manages the central and congregational funds of the church.)
Brian’s recent professional appointments include member of the Disciplinary Appointments Committee, Institute and Faculty of Actuaries. Prior to this, he was a member of the Investigations Committee of ICAS (the Institute of Chartered Accountants in Scotland).
Mike is an actuary and has 40 years experience working in the life and pensions industry. His career was with Legal & General where he held a wide variety of senior management roles, including Chief Actuary for the Group from 2002 to 2010.
Since leaving Legal & General, Mike has accepted a number of non-executive roles; he was appointed as an independent member of the With-profits Committee of the former AXA companies in September 2010 and the Friends Life companies in March 2011.
He is also a non-executive director of HSBC Life (UK) Limited.
Frances has had various roles within the banking and asset management sector for over 30 years.
In 1995, Frances joined Morgan Grenfell Asset Management where she established and headed a very successful pooled funds pension business.
She became Chief Executive of GMO Woolley in 2001 before becoming Director & Head of Institutional business at Gartmore in 2002. From 2005 she ran the investment trust business also at Gartmore.
Frances is currently a partner at Opus Corporate Finance.
Frances has a degree in Philosophy, Politics and Economics and an M.Phil. in Management Studies from Oxford University.
Howard Jacobs is chair of trustees of a Cambridge University Pension Scheme and a member of the Actuarial Council. He is also a trustee of the River and Rowing Museum Foundation.
For most of his career, Howard specialised in employment, pensions and equity incentive advice at the London law firm of Slaughter and May. Following his retirement in 2002, Howard pursued various business and charitable activities including 10 years as a trustee for the Universities Superannuation Scheme, the principal pension scheme for UK Academics. He was a founding member of what is now the Advisory Council of the United Nations-supported Principles for Responsible Investment Initiative.
Fran started her career with Deloitte in the audit and business services team, qualifying as a Chartered Accountant in 2002 and Chartered Tax Adviser in 2003.
Fran joined Aviva in the UK Life finance function and held many roles across Investments, With-profits and technical accounting, and more recently leading the Financial Planning and Analysis function through the Friends Life integration. In 2017, Fran took up a position in Aviva’s UK Savings & Retirement business, responsible for developing the business strategy and detailed execution plan.
Fran is now the Managing Director of Existing Customer Management & Aviva Financial Advice for Aviva UK Life. She has responsibility for the substantial existing customer business, including all the With-profits policies, as well as responsibility for the in-house financial advice service for our customers.
Take a look at our latest news and guides.
What is investing?
Find out how you could make your money work smarter with our easy-to-understand guide.
How to make the most of your investments
Explore six things we think every investor should be doing.
Investing in funds: the basics
Thinking of investing? Here’s what you need to know about funds
Am I financially ready to invest?
You might think you don’t have enough money to start investing, but you may be closer than you think.
Understanding investment risk
What risk means for your money and how to manage it.
Ways to save money for your children
Find out the difference between opening Junior ISAs and using your own ISA allowance.
How do we pick our Experts' shortlist investment funds?
Learn how we pick our Expert shortlist investment funds.
Capital gains tax explained
Capital gains tax may apply to the profit when you sell a capital asset you own that’s increased in value. Find out how this could impact you.
Don’t lose your ISA allowance
Your ISA allowance is 'use-it-or lose-it'. Find out how to make the most of your 2019-20 allowance.
Discover the tax-efficient junior ISA (JISA)
We all want our children to have the best start in life, with a Junior ISA, they can look forward to a cash sum at 18 and a brighter future. Find out more here.
How do ISAs work?
Our guide to how ISAs work, your annual allowance and the types of ISA to choose from.
Risks and rewards of investing
Our guide to the pros and cons of different types of investments.
How to invest money in your 50s
Our guide to reviewing your investments as you think about retirement.
Am I ready to invest?
Our guide to getting started in the world of investments.
How to invest money in your 30s
Looking at your investments as you take the next step of your working life.
How to invest money in your 20s
Top tips for saving and investing if you're at the start of your working life.