Useful guides - including Principles and Practices of Financial Management

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Unit-linked investment

If you're invested in funds other than with-profits, you can download the unit-linked Principles and Practices of Financial Management (PDF 516KB).

With-profits investment

Want a more in-depth understanding of what with-profits investments can offer you? Here you can download guides to investing in with-profits – and details of how we manage the With-Profit Fund.

Aviva Funds

There are several with profits funds in the Aviva group including ex Friends Life funds. You can see which with profits fund your policy is invested in by checking the company you took your policy out with against those listed below. Your policy documents will show the name of the company your policy was taken out with.

If you're invested in funds other than with-profits, you need to read the unit-linked PPFM (PDF 858KB).

Aviva Life & Pensions UK Limited Old and New With-Profits Sub-Funds

The documents below apply if the policy was taken out with one of the following companies:

  • Aviva branded policies purchased since June 2009
  • Norwich Union branded policies purchased since October 2000 (except Norwich Union With Profit Annuity)
  • CGNU
  • CGU
  • General Accident
  • General Life Assurance
  • Scottish Insurance Corporation
  • Yorkshire Insurance Company
  • Yorkshire-General
  • NatWest With-Profit Bond provided by Norwich Union
  • RBS With-Profit Bond provided by Norwich Union
  • NatWest Portfolio Bond provided by Norwich Union
  • RBS Portfolio Bond provided by Norwich Union
  • NatWest Portfolio bond provided by Aviva
  • RBS Portfolio bond provided by Aviva
  • Commercial Union

We also have customer friendly documents which summarise how we manage the fund:

Aviva Life & Pensions UK Limited Stakeholder With-Profits Sub-Fund

For Aviva Stakeholder pension policies where the policy was taken out with one of the following companies:

  • Aviva branded Stakeholder Pension policies purchased from June 2009
  • Norwich Union branded Stakeholder Pension policies
  • NatWest Stakeholder Pension policies provided by Norwich Union
  • RBS Stakeholder Pension policies provided by Norwich Union
  • NatWest Stakeholder Pension policies provided by Aviva purchased since June 2009
  • RBS Stakeholder Pension policies provided by Aviva purchased since June 2009

We also have customer friendly documents which summarise how we manage the fund:

Aviva Life & Pensions UK Limited With-Profits Sub-Fund

The documents below apply if the policy was taken out with one of the following companies:

  • Norwich Union Life & Pensions Limited
  • Norwich Union branded policies purchased prior to October 2000
  • Norwich Union With Profit Annuity
  • Aviva Isle of Man Pension policies
  • Aviva With Profits Annuities
  • Scottish Union & National

We also have customer friendly documents which summarise how we manage the fund:

Provident Mutual Sub-Fund

* 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.

Ex Friends Life

There are several with profits funds in the Aviva group including ex-Friends Life funds. You can see which with profits fund your policy is invested in by checking the company you took your policy out with against those listed below. Your policy documents will show the name of the company your policy was taken out with.

If you're invested in funds other than with-profits, you need to read the unit-linked PPFM (PDF ???KB).

Aviva Life & Pensions UK Limited FLC With-Profits Sub-Funds

Comprising the FLC New With-Profits Sub-Fund and the FLC Old With-Profits Sub-Fund

The documents below apply if the policy was taken out with one of the following companies:

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

Aviva Life & Pensions UK Limited FLAS With-Profits Sub-Fund

Aviva Life & Pensions UK Limited FP With-Profits Sub-Fund

The documents below apply if the policy was taken out with one of the following companies:

  • 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*

Aviva Life & Pensions UK Limited FPLAL With-Profits Sub-Fund

The documents below apply if the policy was taken out with one of the following companies:

  • 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*

Aviva Life & Pensions UK Limited Secure Growth Fund

The documents below apply if the policy was taken out with one of the following companies:

  • Welfare Insurance Company Limited
  • London and Manchester Pensions Limited
  • Friends Provident Corporate (Pensions) Limited
  • Friends Provident Pensions Limited (Secure Growth Fund policies only)
  • Friends Life and Pensions Limited (Secure Growth Fund policies only)

Aviva Life & Pensions UK Limited WL With-Profits Sub-Fund

The documents below apply if the policy was taken out with one of the following companies:

  • 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

*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.

Guides

Principles and Practices of Financial Management (PPFMs)

We also produce guides called the Principles and Practices of Financial Management (PPFMs), which explain in detail how we manage the With-Profit Fund.

Existing customers

If you are an existing customer, we need to ask you a few questions to get you to the right PPFM for your policy.

New to investing

If you're new to investing in with-profits you can find the PPFMs and other information below. Just select the product you are interested in investing in.

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