With-profits fund guides

Including Principles and Practices of Financial Management

Finding your fund

There are several with-profits sub-funds in the Aviva group. This page shows the current names of the sub-funds, and the possible names of the company who issued your policy. Your policy documents will show the name of the company your policy was taken out with. 

You can tell if your policy is ‘unitised’ or ‘conventional’ from your annual statement. If it shows units and unit prices then you have a unitised policy; otherwise you have a conventional policy.

If you're invested in funds other than with-profits, you need to read the unit-linked PPFM which is appropriate to your product.

Principles and Practices of Financial Management (PDF 917KB)

 
  • General Accident Life Assurance Limited
  • Yorkshire-General Life Assurance Company Limited
  • The General Life Assurance Company
  • Yorkshire Insurance Company Limited
  • Scottish Insurance Corporation Limited
  • N&P Life Assurance Limited
  • Commercial Union Life Assurance Company
  • North British and Mercantile Insurance Company Limited
  • London and Scottish Corporation Limited
  • CGU Life Assurance Limited
  • CGNU Life Assurance Limited – except stakeholder plans
  • Norwich Union Life (RBS) Ltd – except stakeholder plans
  • Aviva Life & Pensions UK Limited – except annuity business and stakeholder plans
 
  • Friends Life Limited
  • Friends Life and Pensions Limited – excluding Secure Growth Fund policies
  • Friends Provident Life and Pensions Limited
  • Friends Provident Pensions Limited – excluding Secure Growth Fund policies
  • Friends’ Provident Life Office
  • United Kingdom Temperance and General Provident Institution
  • London and Manchester Assurance Company Limited
  • NM Life Assurance Limited – unitised policies
  • Friends Provident Life Assurance Limited – unitised policies
 
  • Dominion-Lincoln Assurance Limited
  • The National Mutual Life Assurance Association of Australasia Limited
  • NM Life Assurance Limited – conventional policies
  • NM Schroder Life Assurance Limited
  • Schroder Life Assurance Limited
  • The Lincoln Life Assurance Company Limited
  • FP Life Assurance Limited
  • Friends Provident Life Assurance Limited – conventional policies
 

With-Profits Sub-Fund

(known as the UKLAP With-Profits Sub-Fund)

  • Norwich Union Life Insurance Society
  • Norwich Union Life & Pensions Limited
  • Aviva Life & Pensions UK Limited – annuity business
 
  • CGNU Life Assurance Limited – stakeholder plans
  • Norwich Union Life (RBS) Ltd – stakeholder plans
  • Aviva Life & Pensions UK Limited – stakeholder plans

 

 
  • The Provident Clerks’ Mutual Life Assurance Association
  • Provident Clerks’ and General Mutual Life Assurance Association
  • Provident Mutual Life Assurance Association

 

 
  • Friends Life Company Limited
  • AXA Sun Life plc
  • AXA Equity and Law Life Assurance Society

 

 
  • Friends Life Assurance Society Limited
  • Sun Life Assurance Society plc
 
  • Welfare Insurance Company Limited
  • London and Manchester Pensions Limited
  • Friends Provident Corporate (Pensions) Limited
  • Friends Provident Pensions Limited – Secure Growth Fund policies
  • Friends Life and Pensions Limited – Secure Growth Fund policies

 

 
  • The Colonial Mutual Life Assurance Society Limited
  • Colonial Mutual Life (Unit Assurances) Limited
  • Colonial Life (UK) Limited
  • Friends Life WL Limited
  • Winterthur Life UK Limited
  • Provident Life Association Limited

If your product is invested in the FLC With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the FLAS With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the FP With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the FPLAL With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the Old and New With-Profits Sub-Funds:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary
With-Profits Annuities Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the Provident Mutual Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary
With-Profits Annuities Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the Stakeholder With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the UKLAP With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary
With-Profits Annuities Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the WL With-Profits Sub-Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to with-profits policyholders (excluding the Secure Growth Fund)
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

If your product is invested in the Secure Growth Fund:

Principles and Practices of Financial Management (PPFM)
PPFM Summary of Changes
Board Report to Secure Growth Fund policyholders
With-Profits Summary

You can find asset mix and investment returns in our With-Profits Summary, which is a guide to how we manage our with-profits business.

You can also find more information about our latest bonus rate review and estate distribution news, here.

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Product provided by: Aviva Life & Pensions UK Limited. Registered in England No. 3253947. Registered office: Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number: 185896.