investment life & pensions moneyfacts awards 2009 supplement

Awards supplement 2009

www.moneyfacts.co.uk

Researching the market for you

Awards2009

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Investment Life & Pensions

Moneyfacts®

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Welcome to our special supplement celebrating thewinners of the 2009 Investment Life & PensionsMoneyfacts Awards. A major factor in determining thelong term success of any company is its ability toprovide products that truly match customers� needsalong with a professional level of service. It is this beliefthat stands at the very heart of our annual awards.

Now in their eighth year, the Investment Life &Pensions Moneyfacts awards recognise the providersthat have delivered the most competitive products, thebest levels of service and shown the greatestinnovation during the last twelve months.

There can be little doubt that operating in the currenteconomic environment has provided a major challengefor many financial companies. In the wake of thecollapse of Lehman Brothers, the ongoing credit crisisand continued stock market uncertainty, consumerconfidence in the financial sector remains fragile. As aresult, clients are increasingly looking for reassurancethat the products they select offer good value formoney.

Although it has been another difficult year for thefinancial services industry, product providers have notbeen resting on their laurels. Indeed, the testingenvironment appears to have encouraged even moreproviders to enhance their propositions and improvetheir customer service in an attempt to stand out fromthe crowd. With competition in this year�s categoriesparticularly fierce, identifying the very best providershas been no mean feat.

TThhee cceerreemmoonnyyThe 2009 award winners were unveiled at a specialceremony held in the stunning surroundings of theBrewery in London on 25 September. Over 400industry professionals gathered to honour this yearsoutstanding providers and products.

Sylvia Waycot, Publisher of Moneyfacts, opened theproceedings with a warm welcome, before guestswere treated to a delicious three course lunch. Theawards were hosted by comedian Chris Barrie,renowned for his roles in television hits Red Dwarf and the Brittas Empire.

Also presented at the ceremony were the inauguralwinners of our Good Advice Awards, which recognisethe country�s very best adviser organisations.

TThhee pprroocceessssSo what makes the Investment Life & PensionsMoneyfacts Awards so special? The answer rests withthe rigorous process through which the winnersemerge.

Our awards are based on a combination of theanalytical expertise of our research team and theopinions of our IFA readership who advise on a dailybasis. After all, who is in a better position than you,the adviser, to know which products really work foryour clients?

This year a record number of IFAs cast their votesonline for their favourite providers, testament to their

Welcome to the Investment Life & Pensions M

desire to show their appreciation for those companies who really aredelivering on their promises.

By combining our renowned research data with the genuine feedback fromadvisers, you can be confident that those companies that eventuallyemerged as winners are truly leaders of their respective fields.

32 awards were contested, focusing on a number of key aspects such asservice, product excellence, competitive pricing and innovation. To keeppace with the continuously evolving financial services landscape three newcategories were introduced this year: Best Third Way Product Provider,Best Enhanced Annuity Provider and Best Group Protection Provider.

TThhee wwiinnnneerrssOver the following pages we present the winners in this year�s hall of fame.Whilst some providers successfully retained the awards they won last year,there are also a number of companies which collected a trophy for the firsttime. All the winners and finalists should be proud of their achievements andhave set exemplary standards for the rest of the industry to follow.

I hope that you find this supplement a useful source of information, allowingyou to identify the financial products that your clients deserve.

Congratulations to all the winners, and a special thank you to all of you whotook the time to vote.

Editor,Investment, Life & Pensions Moneyfacts

oneyfacts Awards supplement



Awards2009

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contents2009 winners� list 4

AA Insurance Services 6

Abbey 8

Aviva 10

Canada Life 12

Cirencester friendly 14

Ecclesiastical InvestmentManagement 16

Home & Capital 18

LV= 20

M&G Investments 22

Merchant Investors 24

Octopus Investments 26

Prudential 28

PruHealth 30

Rowanmoor Pensions 32

Scottish Life 34

4

Best Investment ServiceWinner: PrudentialHighly Commended: SterlingCommended: Skandia

Best Protection ServiceWinner: Bright GreyHighly Commended: Legal & GeneralCommended: LV=

Best Pension Service Winner: AEGON Scottish EquitableHighly Commended: Standard LifeCommended: Scottish Life

Best Online Service Winner: ZurichHighly Commended: Standard LifeCommended: Skandia

Service Beyond the Call of Duty Winner: Merchant InvestorsHighly Commended: MetLifeCommended: Cirencester friendly

Innovation Award Winner: LV=(Mortgage & Lifestyle Protection)

Highly Commended: Prudential (Income

Choice Annuity)

Commended: MetLife (Guaranteed

Investment Bond)

Best Personal Pension Provider Winner: Scottish WidowsHighly Commended: AEGON ScottishEquitableCommended: Aviva

Best SIPP Provider Winner: A J BellHighly Commended: HornbuckleMitchellCommended: Standard Life

Best SSAS Provider Winner: Rowanmoor PensionsHighly Commended: The IPSPartnershipCommended: Hornbuckle Mitchell

Best Group Pension Provider Winner: Scottish LifeHighly Commended: AEGON ScottishEquitableCommended: Standard Life

Best Income Drawdown ProviderWinner: Standard LifeHighly Commended: AEGON ScottishEquitableCommended: AXA Winterthur WealthManagement

Best Enhanced Annuity Provider Winner: Just RetirementHighly Commended: MGM AdvantageCommended: Partnership

Best Third Way Product ProviderWinner: MetLifeHighly Commended: LincolnCommended: Living Time

Best Lifetime Mortgage Provider Winner: AvivaHighly Commended: PrudentialCommended: Just Retirement

Best Home Reversion Provider Winner: Home & CapitalHighly Commended: BridgewaterEquity ReleaseCommended: Hodge Lifetime

Best ISA Provider Winner: SterlingHighly Commended: SkandiaCommended: Invesco Perpetual

Best Unit Trust/OEIC Provider Winner: M&GHighly Commended: SkandiaCommended: Invesco Perpetual



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2009 winners� list

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Best Investment Trust Provider Winner: F&CHighly Commended: JPMorgan AssetManagementCommended: M&G

Best Multi Manager Provider Winner: SkandiaHighly Commended: Seven InvestmentManagementCommended: Jupiter

Best Fund Supermarket/PlatformWinner: CofundsHighly Commended: FidelityFundsNetworkCommended: Skandia

Best Structured Products ProviderWinner: AbbeyHighly Commended: NDFAdministrationCommended: Investec StructuredProducts

Best Investment Bond Provider Winner: SterlingHighly Commended: PrudentialCommended: MetLife

Best Tax and Estate PlanningSolutions Provider Winner: Octopus InvestmentsHighly Commended: Canada LifeCommended: AXA Isle of Man

Best Ethical Investment Provider Winner: Ecclesiastical InvestmentManagementHighly Commended: Friends ProvidentCommended: AEGON AssetManagement

Best Child Trust Fund Provider Winner: The Children�s MutualHighly Commended: Scottish FriendlySocietyCommended: F&C

Best Income Protection Provider Winner: Cirencester friendlyHighly Commended: LV=Commended: Pioneer

Best Critical Illness Provider Winner: Scottish ProvidentHighly Commended: PruProtectCommended: Bright Grey

Best Private Medical InsuranceProvider Winner: PruHealthHighly Commended: BUPACommended: Standard Life Healthcare

Best Group Protection Provider Winner: Canada LifeHighly Commended: UnumCommended: Legal & General

Most Competitive Annuity Provider Winner: Canada LifeHighly Commended: AvivaCommended: AEGON ScottishEquitable

Most Competitive Term Assurance -Direct Provider Winner: AA Insurance ServicesHighly Commended: Sainsbury�sFinanceCommended: M&S Money

Most Competitive Term Assurance -IFA Provider Winner: AvivaHighly Commended: Legal & GeneralCommended: AXA

Insurance and it also offers best buy

savings, loans and a credit card.

Its portfolio also includes an award-

winning range of life insurance

products.

For the third year in succession, AA

Insurance has won the Moneyfacts

award for Most Competitive Term

Assurance - Direct Provider. While of

course AA staff are delighted to

receive this worthwhile accolade, it

exactly represents what AA Insurance

stands for.

“The AA is one of the most trusted and

recognisable brands in the UK and

customers rightly expect great service

as well as competitive premiums -

whether it is car insurance, roadside

assistance, European travel, buying a

map at the newsagents or, indeed, life

cover,” said Janet Pell of AA Insurance

and who accepted the award.

She pointed out that since AA Life

Insurance was launched only four

years ago, it has consistently topped

Moneyfacts best buy tables. AA

Insurance offers both level term and

mortgage protection life insurance,

with the option of critical illness cover.

Terminal illness cover is also included.

Cover can be bought online at

www.theaa.com from as little as £6 a

month and is selected from a panel of

leading insurers.

This is how it works:

• Get an initial quote online within

minutes

• Life insurance from as little as £6 per

month

• We’ll find you the best price that we

can from our panel of leading

insurers

• The AA then takes you through the

detailed application process. Cover

is chosen to suit you. You can

choose the length of time and

amount you would like to be

covered for and you can cancel

your policy at any time

• Quick and hassle-free to arrange.

Your application can be arranged

online or over the phone with our

UK-based call handlers.

The AA hardly needs any introduction.

For over a century it has helped

motorists in trouble at the roadside

and for generations its bright yellow

vans have been a familiar and

reassuring sight the length and

breadth of Britain’s roads.

But perhaps less familiar is that the AA

is a major player in the insurance and

financial services markets. It is Britain’s

leading broker of car and home

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Products and ServicesAA is much more than a roadside assistance provider. It has offered insurance since 1907 when it sold its first car

insurance policy. Today AA Insurance offers a startling range of insurance:

• Car • Short term car • Home • Commercial vehicle and

van • Commercial business • Classic car• Motorcycle

• Caravan and motor home • Holiday home • Life and

critical illness • Golf • Travel • Student • Pet • Minibus

Life insurance:

Level term life insurance provides a fixed cash lump sum

to support your family if you die during the term of the

policy. You decide how much cover you need and the

length of the policy term.

Mortgage protection life insurance covers the cost of

repaying a mortgage if you die during the term of the

policy. The amount of cover decreases each year, in line

with the amount owed on your mortgage.

Critical illness: AA also offers a policy which combines

level term life insurance with critical illness cover. This

provides a one-off cash payment if you are diagnosed with

a critical illness during the term of your cover.

contactAA Insurance

Fanum House

Basing View

Basingstoke

RG21 4EA

Telephone: 0870 5 44 88 66

Web: www.theAA.com

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Janet PellHead of Insurance ProductsAA Insurance



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Most Competitive Term Assurance-Direct Provider

end of 2008. Following the acquisition

of Sovereign Bancorp of the U.S. in

January 2009, Santander has 90

million customers, more than 14,000

branches - more than any other

international bank - and over 180,000

employees. It is the largest financial

group in Spain and Latin America,

with leading positions in the United

Kingdom and Portugal and a broad

presence in Europe through its

Santander Consumer Finance arm. In

2008, Santander registered €8,876

million in net attributable profit, an

increase of 9% from the previous year

excluding capital gains.

In the UK, Santander operates three

retail businesses - Abbey, Alliance &

Leicester and the savings business of

Bradford & Bingley. Together they

have over 1,300 branches, around

4,500 cash machines and they

provide a full range of retail and

corporate banking services to

24 million customers.

Abbey is one of the UK’s leading

personal financial services companies.

Our goal is to be the best bank on the

high street in the UK for customers

and employees.

We offer a full range of personal

financial services, both direct and

through intermediaries. The range of

services includes mortgages and

savings, bank accounts, loans and

credit cards, long term investments

including pensions and unit trusts, life,

critical illness and unemployment

cover and household insurance. We

also provide offshore banking for

expatriates.

Abbey’s roots date back to 1849, with

the establishment of the National

Freehold Land and Building Society. In

1944, it merged with the Abbey Road

Building Society to form Abbey

National. In July 1989, it was the first

building society to convert to plc

status and to be floated on the

London Stock Exchange.

Since 2004, Abbey has been part of

the Santander Group, the third largest

bank in the world by profit.

The combination of the heritage and

familiarity of the Abbey brand, backed

by the experience, expertise

and systems of Santander, is driving

Abbey’s plans to become the best

bank in the UK.

Abbey, Alliance & Leicester and the

savings business of Bradford &

Bingley will all become known as

Santander by the end of 2010.

Abbey and the savings business of

Bradford & Bingley will be rebranded

from the first quarter of 2010 and

Alliance & Leicester will follow later in

the year. The move will deliver a

significant advantage for customers

as they will be able to use any of

1,000 Santander branches from early

2010, rising to over 1,300 by the end

of 2010.

Santander is one of the largest banks

in the world. Santander has more than

150 years’ experience in banking, and

more branches worldwide than any

other international bank.

The statistics are impressive.

Santander is a retail and commercial

bank, based in Spain, with operations

in more than 40 countries. At the end

of 2008, Santander was the largest

bank in the eurozone by market

capitalisation and third in the world

by profit.

Founded in 1857, Santander had

¤1,168 billion in managed funds at the

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Products and ServicesAbbey offers free advice on a range of investments

including:

• Structured products

• Portfolio investments

• Premium investments

• Pensions

contact2 Triton Square,

Regents Place,

London

NW1 3AN

Telephone: 0845 765 4321

8

Mehdi KadhimHead of Private Investor ProductSales at Santander GlobalBanking & Markets



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Best Structured Products Provider

The equity release market is

undoubtedly going through a period

of change, but it is clear that there

remains a strong consumer demand

for equity release. We, as providers

have a duty to create products that

allow customers approaching, or in

their retirement a method of

unlocking the equity in their

properties in order to create a better

retirement than they would have

otherwise been able to enjoy.

Which is why winning the accolade

‘Moneyfacts Best Lifetime Mortgage

Provider 2009’ means so much to the

staff at Aviva who work in equity

release.

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Dominic Fraser-SmithGroup Product Manager Aviva Equity Release



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“...winning the accolade

‘Moneyfacts Best Lifetime

Mortgage Provider 2009’

means so much to the

staff at Aviva who work in

equity release.”

Products and ServicesAviva Equity Release is one of the UK’s leading providers of equity release. Offering a range of lifetime mortgages and

a home reversion plan, we provide flexible opportunities for those nearing, or in retirement. As one of the largest

providers, we’ve already helped 90,000 customers release over £3 billion of equity.

We’ve continued to demonstrate our commitment to

equity release and last year celebrated 10 years in the

market. We also continue to offer a strong, competitive

range of products, whilst remaining secure in these

turbulent times. Our LTV scale is one of the most

competitive in the market, and this has been consistent

since we improved our product offering last year.

We’re committed to treating our customers fairly and

provide them with a free DVD information pack to help

them understand our products. Our advisers provide all

the information a customer needs to decide whether

equity release is right for them or not.

This equity release product is a lifetime mortgage or home

reversion plan. To understand the features and risks, ask for

a personalised illustration.

At Aviva, we’re the world’s fifth largest insurance group and

the biggest insurance provider in the UK. With over 50 million

customers worldwide, you can feel confident with us.

contactAviva Equity Release

www.aviva.co.uk/equity-release

0800 0925 895

We only advise on products sold by Aviva.

We are delighted to have been

recognised by Moneyfacts as the

Best Lifetime Mortgage Provider for

the second year running. This award

is recognition for the commitment

and investment that Aviva has made

in the equity release market, making

sure that we deliver product solutions

that meet our customers’ needs. This

is why Aviva offers three different

types of lifetime mortgages and a

home reversion product.

Best Lifetime Mortgage Provider

Detach and post this coupon back to FREEPOST RRRJ-YRLX-JCAK, ER Fulfilment, Mezzanine Level (HZBC), PO Box 6, NORWICH NR1 3NS

Call us on 0800 0925 895 or complete and return this coupon to the FREEPOST address (no stamp required).

I understand I am under no obligation whatsoever. I/We are at least 55 Please telephone me to arrange a no-obligation appointment in the comfort of my homeand send me a FREE DVD information pack Please send my FREE DVD information pack

My date of birth Partner’s date of birth

Email

Title First name

Surname

Address

Postcode

Tel no.

“Unlock cash with equityrelease...

Details you provide may be used by Aviva Group companies for marketing activities such as market research or contacting you about their products or services. If you do not wishto receive marketing approaches please write to Aviva, Freepost, Mailing Exclusion Team, PO Box 6412, Derby DE1 1SB. For your protection telephone calls may be recorded.Aviva only advises on products sold or marketed by the Aviva group. Lifetime mortgages and the Home Reversion Plan are not available in the Channel Islands and Isle of Man.The Home Reversion Plan is also not available in Northern Ireland or Scotland. Aviva Equity Release UK Limited. Registered in England No. 3286484. Registered Office: 2 Rougier Street, York YO90 1UU. Authorised and regulated by the Financial Services Authority. PF01774 10/2009

ref: 9232/72

EQUITY RELEASE FOR HOMEOWNERS AGED 55 AND OVER

...we did and we’re hardly at home these days!”If you’re over 55 and looking to maintain your standard of living in your retirement, you might be interested in finding out how Aviva can help you unlock tax free cash from your home without having to move.

We’ve recently changed our name from Norwich Union to Aviva. June and Peter Marshall took one of our equity release products when we were Norwich Union, this is what they have to say about it.

Eased our money worries“After we retired, we realised that our pensions and savings weren’t going to stretch as far as we’d hoped. We had enough for the bills and basics, but not much left for anything else, like weekends away in our caravan.

It started with a call to Norwich UnionAfter ten years in our house, we knew we had some equity built up, but didn’t know how to get hold of it. Moving somewhere smaller wasn’t really an option as we already live in a two bedroom bungalow.

Our friend suggested we look at equity release, so we sent for an information pack from Norwich Union. After reading it and watching the DVD, we rang them to arrange a meeting with an adviser. We’re so glad we did.

Our adviser was brilliantObviously, when you’re dealing with something as important as your home,

you’re cautious, but Tom from Norwich Union was brilliant. He came to our house, answered all our questions and chatted with us about what we wanted from our retirement. We learned which equity release plans suited us best and how much we could expect to receive.

Norwich Union has a no-negative equity guarantee, which is great because we didn’t want to leave our children with any debt.

By the time Tom left, we felt really comfortable with the idea of equity release and knew it was right for us.

Now we’re back on the roadWe chose to go for a lifetime mortgage and one of the nicest things we were able to afford was a new caravan. We’ve been to France, Ireland and all over Britain. We’re hardly at home these days!

We’d recommend Norwich Unionto anyoneWithout Norwich Union, we probably wouldn’t be enjoying our retirement half as much. They helped us see that equity release was right for us. We wouldn’t hesitate in recommending them to anyone.” Peter and June Marshall

Call Aviva to discover if equity release could be right for you too.Our experienced and qualified advisers will help you understand the award winning products offered by Aviva.

They’ll discuss our minimum property values, the costs involved and how it will reduce the inheritance you leave. They will also show you if it will alter any tax or welfare benefits you receive. Please bear in mind equity release is a lifelong commitment and that we can only advise you on the products we offer.

Rest assured, we’ll consider all yourcircumstances and make a recommendation as to whether it’s right for you or not.

This is a lifetime mortgage or home This is a lifetime mortgage or home reversion plan. To understandreversion plan. To understandthe features and risks, ask forthe features and risks, ask fora personalised illustration.a personalised illustration.

Call us in Norwich tobook a no obligationappointment or torequest a FREE DVDinformation pack.

0800 0925 895Quoting ref: 9232/72Lines open: Mon – Fri 8am to 8pm,Sat 9am to 5pm, Sun 10am to 4pm.www.aviva.co.uk/equity-release

�

Provider for 2009, following our wins

in 2006, 2007 and 2008. Although

our annuity rates are competitive

across the board, we have been

particularly strong for the smaller

fund sizes when it is even more

important for clients to maximise

their retirement income.

The award highlights our

consistently good rates over a

significant period of time and this,

combined with our excellent levels

of service and new business

turnaround times, means that clients

and advisers alike can have high

levels of confidence in looking to

Canada Life to provide their annuity

products.

Our excellent rates and service are

complemented by our diverse range

of annuity options; we remain the

only provider to offer value

protection on standard annuities.

And with the addition of enhanced

annuities to our retirement income

proposition, we are well placed to

continue to grow our business within

the open market.

Additionally we are continuing to

develop our onshore and offshore

tax and estate planning solutions

and are pleased that this has been

recognised within the IFA community

by being Highly Commended in the

Best Tax and Estate Planning

Solutions Provider category for the

third year running. We pride

ourselves on our technical expertise,

advice and support in this area and

these skills have allowed us to

develop unique solutions which have

stood the test of time.

Our Group Insurance division was

also recognised as the winner of the

Best Group Protection Provider

award. We focus on delivering

service, technological innovation

and development of our claims

management capability.

Canada Life is a market leader in the

open annuity market, writing

significant volumes of annuities

through a combination of

competitive rates and making it easy

for advisers to do business with us.

We are delighted to be awarded the

title of Most Competitive Annuity

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Products and Services

Investments - our single premium, unit linked investment

bonds - the Flexible Investment Bond, Total Access

Bond and Select Investment Bond offer flexibility and

choice.

Tax and Estate Planning - a comprehensive range of IHT

trusts and packaged estate planning solutions. Our

technical expertise, advice and support in this area and

these skills have allowed us to develop unique, tax

efficient solutions.

Retirement Planning - our award winning annuity

proposition backed up by our high levels of service. The

innovative flexible annuity, the Annuity Growth Account,

combines highly competitive rates with the opportunity

for further growth.

Protection - a range of individual and group protection

plans

contactTelephone: 08457 226232

Fax: 01707 671194

Website: www.canadalife.co.uk/ifa

12

Peter GouldAnnuity Development ManagerCanada Life



Awards2009

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Moneyfacts®

“Our excellent rates and

service are complemented

by our diverse range

of annuity options;

we remain the only

provider to offer value

protection on standard

annuities.”

Most Competitive Annuity Provider

Canada Life Limited, registered in England no. 973271. Registered office: Canada Life Place, Potters Bar, Hertfordshire EN6 5BA Telephone 08457 22 62 32 Facsimile 01707 646088 www.canadalife.co.uk

Canada Life Group consists of Canada Life Limited, Canada Life Asset Management Limited (both authorised and regulated by the Financial Services Authority), Canada Life International Limited and CLI Institutional Limited (Isle of Man registered companies authorised and regulated by the Isle of Man Insurance and Pensions Authority). All promotional material produced is approved by Canada Life Limited.

At Canada Life we have many years experience of providing inheritance and tax planning for your

clients. The Canada Life Tax & Estate Planning team are available to discuss solutions on specific

cases or general principles surrounding tax and estate planning for both onshore and offshore

products including trusts. We are delighted to have received the Best Tax and Estate Planning

Solutions Provider – Highly Commended award for 2009, 2008 and 2007. Thank you for your

continued support.

Call 08457 22 62 32www.canadalife.co.uk /ifa

For professional advisers only and not for distribution to retail clients.

Canada Life Tax & EstatePlanning solutions

BEST TAX AND ESTATEPLANNING SOLUTIONS

PROVIDER

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who hold a contract with us, meaning

we can ensure that profits are only

distributed to customers, or

reinvested to give better returns,

better value and higher levels

of service.

Committed to maintaining its high

standards, the Society is proud to

have been voted Best Income

Protection Provider for the second

year running by the readers of


Moneyfacts magazine, many of

whom have helped to make our

income protection product, Income

Assured Plus, one of the market’s

top-selling products.

As a single product provider,

established in 1890, income

protection is what we know and do

best and this has clearly once again

been recognised.

Under the direction of Hudson since

1997, Cirencester friendly has gone

from strength to strength. Starting

with around 14,000 Members and

assets of £25 million, its latest results

show Membership close to 30,000

and assets of £47 million.

By developing stronger ties with

intermediaries, and supported by the

latest incarnation of its product,

Income Assured Plus, 2008 saw new

premium income grow by 16%1, with

new in-force contracts increasing by

almost 21%2.

Hudson points out that Cirencester

friendly’s healthy balance sheet and

investment growth has not been

achieved at the expense of contract

holders. In 2008 £1.9 million was paid

to Members in claims and a further

£2.3 million distributed to Members in

the form of bonuses - with any

surpluses used to make it a more

efficient and, indeed, an award-

winning company.

1 These are the premiums paid by Members to theSociety during the year. The Society earned£10,217,625 in 2008; in 2007 it earned £8,759,389

2 Cirencester friendly’s ‘Income Assured Plus’ sawin-force contract sales increase from 18,264 at thebeginning of 2008 to 22,080 at the end of 2008

Cirencester friendly is a mutual

organisation specialising in income

protection with the added benefit of

an investment option. As a mutual

organisation, we are not owned by

shareholders but by our Members

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Products and ServicesIncome Assured Plus is a competitively-priced income protection product. It offers cover from the first day of incapacity,

no premium loadings for occupation, gender, smoking or hazardous pursuits, plus an investment option that enables

customers to build up a cash lump sum payable at retirement if they want to.

Product features include:

• Cover from day one or after 1, 4, 8, 13, 26 and 52 weeks

• Day one accident protection for deferred contracts

• A choice of pure protection, protection with investment

or investment only

• No loadings for occupation, gender, smoking or

hazardous pursuits

• Career break holidays

• Range of retirement ages from 50 to 65

• Ability to increase cover in-line with state retirement age

• Index-linking

• Premium waiver after 28 days of claim

contactTelephone: 01285 652492 / 653073

Sales Hotline: 0800 587 5098

Customer Services Helpline: 0845 603 8085

Fax: 01285 641246

Email: [email protected]

Website: www.cirencester-friendly.co.uk

14

Paul HudsonChief ExecutiveCirencester friendly



Awards2009

ilp


Moneyfacts®

Best Income Protection Provider

“I am delighted that

Income Assured Plus

continues to be

recognised so highly,

particularly in such a

competitive market.”

UK’s top Ten Corporate Donors, as

compiled by The Directory of Social

Change, and have donated almost

£48 million in charitable grants over

the past 15 years.

Ecclesiastical Investment Management

has over £1.2bn of assets under

management and has been at the

forefront of socially responsible

investing since 1988. Investment

Manager Sue Round launched one

of the UK’s first retail ethical funds –

the Amity UK Fund – over 20 years

ago and we now offer a full range of

Amity screened funds to give your

clients the opportunity to diversify

across asset classes and regions.

With the benefit of this extensive

experience, Sue and her team have

been able to deliver excellent long-

term performance, and have helped

make Amity one of the core leaders

within this field. Senior Fund

Manager Rob Hepworth has been

managing the Amity International

Fund its launch in 1999. In addition

he manages the Higher Income

Fund and co-manages the Amity

Sterling Bond Fund and is

AAA rated by Citywire as at

30 September 2009.

We avoid investing in companies

earning more than 10% of pre-tax

profits or turnover from alcohol,

tobacco and weapons production,

as well as gambling or publication of

violent or explicit material. We also

actively look to invest in companies

that make a positive contribution in

the communities and environment in

which they operate. These include

healthcare, education, community

and labour relations and

environmental management.Ecclesiastical Investment Management

is the investment arm of

Ecclesiastical, a niche insurance

company specialising in church,

home and wedding insurance.

We have around 175,000 customers

across the globe and are one of the

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Products and ServicesEcclesiastical Investment Management offers four screened funds within the socially responsible Amity Range – Amity UK

Fund, Amity International, Amity European Fund and the Amity Sterling Bond fund. We also manage two non-screened

funds, the strong performing Higher Income Fund and the UK Equity Growth Fund.

In addition to winning Best Ethical Provider at the ILP

Moneyfacts Awards 2009, our funds have also been

recognised this year.

The Amity International fund won this year’s prestigious

Lipper award for Best Fund over three years out of

149 funds (Global Equity category, 2009) and the Best

European Fund in Eurofonds-Fundclass Grand Prix

(International Large Cap category, 2009).

The Higher Income Fund won the Lipper award for Best

Fund over 10 years in the Equity Global category 2009.

contactSue Round

Ketan Patel

Daniel Barber

Address:

19-21 Billiter Street

London

EC3M 2RY

Telephone: 0845 604 4056

16

Ketan Patel, Senior SRI AnalystEcclesiastical InvestmentManagement



Awards2009

ilp


Moneyfacts®

Ecclesiastical Investment

Management has over

£1.2bn of assets under

management and has

been at the forefront of

socially responsible

investing since 1988.

Investment Manager Sue

Round launched one of

the UK’s first retail ethical

funds - the Amity UK Fund

Best Ethical Investment Provider

standards for consumer protection

in equity release. Through SHIP,

Home & Capital successfully

lobbied for the regulation of home

reversion plans by the FSA

(Financial Services Authority),

which came into effect in April

2007. Over its 30-year history,

Home & Capital has rightfully been

recognised as a leading player in

the equity release market.

The Company was privately owned

until 2006 when it became fully

owned by Sovereign Reversions

plc, which is listed on the

Alternative Investment Market (AIM).

Upon the extension of FSA

regulation in April 2007, the Home

& Capital group of companies

became authorised to arrange,

provide and administer home

reversion plans.

The Home & Capital home

reversion plans incorporate SHIP

safeguards including security of

tenure for life (on a rent-free basis)

and the right to move without

financial penalty.

Home & Capital continues to

capitalise upon its extensive

in-house sector knowledge to run

a separately regulated advisory

business - Home & Capital Advisers

Ltd. It also recently announced a

deal to take over responsibility to

administer a portfolio of

approximately 1,000 home

reversion plans on behalf of a major

international financial institution,

thereby increasing its plans under

management from over 2,000

to 3,000.

Simon Little, Managing Director of

Home & Capital Trust Ltd said:

“Winning the Best Home Reversion

Provider award for the third year

running is a real credit to our staff

and a testament to the exceptional

personal service and attention to

detail we endeavour to provide to

all our customers.”

Home & Capital is one of the

longest established names in the

equity release sector. Since it was

founded over 30 years ago in 1978,

Home & Capital Trust Limited has

become a leading provider of home

reversion plans for retired

homeowners, and a founder

member of SHIP (Safe Home

Income Plans), the trade body

established in 1991 to set

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Products and ServicesHome & Capital’s regulated home reversion plans enable elderly homeowners to release tax-free cash, either as a single

cash lump sum or as staged payments.

Homeowners taking out a partial home reversion plan can

release additional sums when they choose, with the rate

payable improving as their age and property value

increases.

Most standard property types are considered and

homeowners must be 65+. Minimum property value must

be £75,000.

contactClient Support Centre: 0845 601 3260

Fax: 01234 271547


Website: www.homecapital.co.uk

18



Awards2009

ilp


Moneyfacts®

“Winning the Best Home

Reversion Provider award

for the third year running

is a real credit to our staff

and a testament to the

exceptional personal

service and attention to

detail we endeavour to

provide to all our

customers.”

Simon LittleManaging Director Home & Capital Trust Ltd

Best Home Reversion Provider

rates, the simplicity of own

occupation cover and the true

benefit of long term incapacity

claims payments.

We listened to consumers and

advisers and soon realised that, to

break into the MPPI market, we

needed more than a great product.

So we applied our IP know-how and

created a fresh solution, from the

bottom up. Beyond product

considerations this included

rethinking the application process,

drawing on our strengths in

intelligent underwriting systems and

tele-interviewing and making sure

advisers were armed with helpful

tools, insight and confidence.

As a result of this process we

created a dedicated intermediary

website which includes:

• A simple quotation system -

integrated with leading mortgage

sourcing tools - which requires

advisers to complete only 10

fields for IP products

• Online learning material

• Insights on how to sell protection

• Practical facilities including a

downloadable marketing toolkit to

get started

• A letter-builder

• Online agency applications

• A paperless application process

• Event notification and tracking

In these uncertain economic times,

we’ve responded positively to help

fill some of the protection gap left

by MPPI providers that have

withdrawn/restricted cover or

applied steep premium hikes. For

example, we’ve removed the initial

exclusion period for clients who

transfer their existing unemployment

cover to LV=.

Whilst MLP has been designed with

the mortgage adviser market in

mind, it’s open to all advisers, and

available to anyone who has an

income to protect!

We’re proud that MLP has secured

a 5 star rating from Defaqto in both

MPPI and income protection

categories and delighted to be

awarded the Innovation Award by

ILP Moneyfacts 2009.

In May last year, LV= launched

Mortgage & Lifestyle Protection

(MLP), a truly revolutionary income

protection solution directed towards

the mortgage adviser market.

Designed to provide superior cover

to traditional MPPI products, MLP

offers the security of guaranteed

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Products and ServicesBeing a well respected and leading provider isn’t just

about the right products - it’s also about delivering the

right support and service.

At LV= we love simplicity, transparency and achieving

great value. And because we’re a mutual company, run for

the benefit of our members, we can concentrate on these

things without compromise.

We’re the largest friendly society in the UK*, looking after

more than 3.4 million customers and members and

managing assets worth over £7 billion.

*Association of Friendly Societies Key Statistics 2008 Total Net Assets

Together with our comprehensive range of protection,

retirement and investment solutions, our dedicated

support teams can help you and your clients to protect

and provide for what you love in life.

contactTelephone: 0845 602 0690

Website: www.LV.com/adviser

20

Chris McFarlane Head of Protection LV=



Awards2009

ilp


Moneyfacts®

Innovation Award

PROTECTION PENSIONS ANNUITIES EQUITY RELEASE INVESTMENTS

20911698 10/09

Visit www.LVmlp.co.ukto find out more.

For Financial Adviser use only.

EASY PEASYSELLING OUR MORTGAGE & LIFESTYLE PROTECTION COVER COULDN’T BE EASIER.

Quote and apply online in a few minutesDedicated adviser websiteEasy to use marketing toolkit

Long term accident and sickness coverOptional unemployment coverAnd guaranteed premiums too

For superior cover, choose LV=.It couldn’t be more easy peasy.

Our equity investment philosophy

One of the largest active managers of

equities in the UK and cited by the

Financial Times as one of the top UK

managers for generating equity alpha,

our philosophy is based on a bottom-

up approach to investing. Our aim is

to develop a boutique culture that

enables us to generate stock selection

alpha for a large scale of assets.

Our fixed income investment

philosophy

As one of the largest fixed income

managers in the UK with a history of

firsts, (including the launch of

Europe’s first leveraged European

loan fund), our focus is on in-house

research to identify investment

opportunities where asset prices have

moved away from those implied by

long term fundamentals.

Our property investment philosophy

PRUPIM (Prudential Property

Investment Managers Ltd), our

property subsidiary, is one of the

largest property investors in the UK

with over £12 billion under

management and over 140 years’

experience in real estate investment.

PRUPIM adopts a disciplined

approach to property investing,

combining market forecasts and

research views on rental growth, with

the detailed market knowledge of

surveyors.

A diverse fund range

Our fund range is designed to

provide attractive investment choices

across a range of asset classes

including equities, fixed income and

property. Specific client needs

accommodated by our funds range

from US equities to leveraged loans.

When you choose M&G, you are

investing in a business built on

conviction, which has a can-do

attitude and challenges the

consensus. This approach is

reflected in everything we do.

Source of statistics: M&G as at 30 June 2009

You’re in good hands

Currently at M&G we look after over

350,000 investors and have over

£149 billion under management.

Our fund managers are highly skilled

specialists who don’t simply follow

the latest investment fashions.

Instead, they each have their own

individual and rigorous approach

based on delivering the best results

for their clients’ investments over the

long term.

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Today we offer our clients a wide range of unit trusts and

OEICs, covering all the key asset classes including

equities, fixed interest and property. Investors can also

choose to invest for either growth or income through our

investment trusts. Our breadth and depth of experience

combined with our proven expertise and constant

innovation over our 78 year history has earned us the

reputation as a leader in equities, fixed income and

property investment.

contactM&G Customer Relations,

Freepost RLTZ-JCHJ-THJB,

The M&G Group,

PO Box 9039,

Chelmsford

CM99 2XG

Telephone: 0800 390 390

22

Greg MullinsDirector of Advisory SalesM&G Investments



Awards2009

ilp


Moneyfacts®

“Our fund managers are highly skilled specialists who don’t

simply follow the latest investment fashions. Instead, they

each have their own individual and rigorous approach based

on delivering the best results for their clients’ investments

over the long term.”

Since 1931, when we launched the UK’s first unit trust, M&G has believed in offering its clients straightforward products

together with clear and balanced information to help them make the right investment decisions.

Best Unit Trust/OEIC Provider

At Merchant Investors we strive to

deliver a first class service to

support both intermediaries and

their clients. For us, service is not

just about turnaround times but

much more about the human

aspect. We believe in building long

term relationships and will work

closely with intermediaries to

understand their business, their

needs and those of their clients. We

provide an intermediary support

structure to deliver this in the most

suitable way - electronically, by

phone or face-to-face, and always

backed up by knowledgeable,

helpful staff.

Services to our supporting

intermediaries include:

• All administration is carried out in-

house

• Named individuals to speak to

• Dedicated pre and post sale

support teams

• Access to a team of regional sales

managers

Service levels are high on the

agenda for every intermediary and

we aim to make your life easier.

Merchant Investors has been

offering tax efficient wrappers for

over 35 years. For the last 25 years

we’ve established ourselves as a

specialist provider of self-invested

wrappers as well as providing

access to external third party funds.

Zest Solutions is the newest offering

which partners with financial

advisers to create distributor

influenced funds.

We are delighted to have won the

Moneyfacts Service Beyond the Call

of Duty award for the second year

running, particularly as the award is

nominated by financial advisers.

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Products and ServicesWe believe our experience and knowledge enables us to develop truly innovative products; the foundations of which are

grounded in: • Investment flexibility • High standards of service.

Without these two elements, no product offering can flourish.

Our products include:

• OneSIPP - a self invested personal pension

• Investment Portfolio - a single premium life insurance

bond

• Versatile Investment Portfolio - an open architecture

single premium life insurance bond

• Transfer Pension Portfolio - a S32 transfer plan

• MI Offshore Bond (to be launched Q4 2009)

• Merchant Investors ISA

Contacting us is easyTelephone: 0117 975 2355


Website: www.merchant-investors.co.uk

24

Joanna BambroughHead of New BusinessProcurementMerchant Investors



Awards2009

ilp


Moneyfacts®

“We are delighted to have

won the Moneyfacts

Service Beyond the Call

of Duty award for the

second year running,

particularly as the award

is nominated by financial

advisers.”

Service Beyond the Call of Duty

and innovation through designing

products that meet the needs of

investors.

Since inception, Octopus has

widened its customer base to

over 20,000, with funds under

management of over £1 billion.

The company enjoys leading

positions in every market area

where it operates. It has a very wide

investment focus, from unquoted

investments in its tax efficient

products (VCTs and EIS), through

smaller CAP and BPR qualifying

business in its IHT products and

smaller companies fund, with

mid/larger CAP and multi manager

products in its absolute return and

multi manager products.

Octopus is an investment company

with a difference, focused on

providing customers with innovative

products and exceptional service.

We aim to build long term

relationships and help investors

meet their financial goals. We listen

to our customers (both advisers

and investors), designing products

that meet their needs, and working

to ensure they remain informed

and involved throughout the

investment process.

We recognise that no two

customers are the same, so we

offer a wide range of products to

suit different types of investor.

We also deliver a personalised

service, tailored to customers’

requirements. Furthermore, our

fund managers are always

available by phone to talk about

investments. We’re always

happy to hear from our customers

and discuss any aspect of their

investment. We never take

unnecessary risks with

investors’ money because we

never forget whose money we

are investing.

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Products and Services• Market leading VCT provider, voted ‘VCT Provider of the

Year’ in 2007, 2008 and 2009 and shortlisted for, or won

‘VCT of the year’ every year since 2004

• Innovative range of inheritance tax solutions, including a

Secure Inheritance Tax Service. It’s the largest provider

of inheritance tax solutions based around Business

Property Relief in the UK

• Largest provider of EIS solutions, including a

Protected EIS that is the most successful approved

EIS fund ever launched, raising £120 million in its first

two years.

• Top performing OEICs including an absolute return fund

that is number one in its sector

• Leading private equity player in sub-£25million deals

• Manager of £30 million Octopus Capital for Enterprise

Fund, (OCfE) part of the UK Government’s Real Help for

Businesses Now scheme to help UK SMEs.

contactVisit us at www.octopusinvestments.com

or call us on 0800 316 2349

26

Noreen Kelly Field Relationship ManagerOctopus Investments



Awards2009

ilp


Moneyfacts®

“Octopus is an

investment company with

a difference, focused on

providing customers with

innovative products and

exceptional service.

We aim to build long term

relationships and help

investors meet their

financial goals.”

Best Tax and Estate Planning Solutions Provider

Octopus Investments, established in

2000, is a leading investment

specialist. Since launching nearly

ten years ago, the company has

developed a reputation for quality

financial management for over 21m

customers worldwide, looking after

£245bn (as at 30 June 2009). We

never forget it’s not our money, but

has been entrusted to Prudential’s

fund management companies,

among them M&G, one of the UK’s

largest and most experienced fund

managers. We manage money,

recognising its outcome influences

the financial futures of millions of

individuals, especially those

approaching or already in retirement.

We know financial and brand

strength mean even more to clients in

difficult times. In times like these our

experience, size, strength and

stability become immensely

important in restoring confidence for

those seeking reassurance.

Service is often undervalued; it

shouldn’t be. While products appear

to be the industry ‘poster boys’, at

Prudential our service infrastructure

enjoys joint billing in terms of focus,

effort and energy. We take service

seriously. It is often the litmus test for

advisers and investors alike.

We understand that you value

access to someone who

understands and takes ownership of

issues. This award is recognition of

the behind-the-scenes effort going

on at Prudential to ensure we

provide excellence at every service

contact point.

As an industry the Retail Distribution

Review will usher in a new era.

Products or tax wrappers will require

a bit of a facelift as the separation of

product and advice costs will cause

them to take on a leaner, fitter look.

The challenge is that in the era of

adviser fees and costs, the quality of

service becomes vital.

Thank you for recognising our efforts.

We appreciate your support.

Prudential is one of the largest UK

insurance companies, with a 160 year

heritage of protecting and providing

financial support through all manner

of crises and calamity. We provide

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Products and ServicesWe offer a wide range of innovative investment products (as well as many other products) and support designed to help

you meet the various needs of your clients, including:

• Onshore bonds

• International investments

• ISAs

• Unit trusts

• Trusts

Fund choice designed to meet your businesses’ needs

We know that a one size fits all solution will not meet your

needs. Instead we have worked to provide a choice of funds:

The PruSelect Range

The PruSelect Range has been chosen for us by the

independent research company, Old Broad Street Research

Ltd (OBSR). It is a list of external funds that OBSR believes

are some of the best across the vast majority of IMA sectors.

Portfolio Management Group (PMG) Multi-Asset Funds

Our experience shows that there is strong demand for

multi-asset funds that can demonstrate dependable

performance. Prudential has an in-house team of

investment experts, the PMG, skilled in multi-asset fund

management, and can demonstrate just such a track

record of dependable performance.

contactAddress

Prudential plc

Laurence Pountney Hill

London

EC4R 0HH

Telephone Freephone 0808 234 0808

Website - visit www.pru.co.uk or our dedicated

adviser website www.pruadviser.co.uk

28

Frank MortonHead of Development Investment Business UnitPrudential



Awards2009

ilp


Moneyfacts®

Best Investment Service

But our newPruFund does.

Award for the third year running. This

award, combined with our continued

growth, proves that our innovative

concept, added customer value and

dedication to intermediaries is really

making a difference. Thanks to all of

you who voted.

Making people healthier is our

primary objective. Our recent report -

the Vitality programme five years on,

available at www.pruhealth.co.uk/2010

- highlights the impact of the Vitality

programme in reducing claims and

improving the health of our members.

2009 has been another year of

growth and innovation. Launched in

March, the Select Plan for individuals

has performed beyond all

expectations. We are also cementing

our place in the corporate market,

having taken on some very large

schemes in the past year.

We believe the PMI market is full of

opportunity, despite the difficult

economic climate. 2010 will see

further innovation, offering your

clients quality PMI but at more

sustainable and competitive prices.

This includes the launch of a new

Value plan for individuals, along with

reduced barriers to entry and a focus

on clinical measures in the Vitality

programme. To find out more

about the developments, visit

www.pruhealth.co.uk/2010.

We wouldn’t be where we are today

without you. Earlier this year we

conducted detailed adviser research

and have used the excellent

feedback in the development of

our products, service and

communications. It is great to

receive this award as recognition

for our efforts. We look forward to

your ongoing support as we continue

to innovate and grow the PMI market

through 2010.

PruHealth provides truly rewarding

private medical insurance. We offer

excellent cover, service and the

unique Vitality programme, designed

to improve the health of our members

with benefits for all, not just those

who claim.

We are immensely proud to have won

the Moneyfacts Best PMI Provider

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Products and ServicesPruHealth offers individual and group PMI. As well as excellent cover, including gold standard cancer cover, all plans

include the unique Vitality programme, offering members great potential discounts on health screens, gym membership,

travel and leisure as well as rewards for healthy living at renewal.

Products and services

PruHealth offers individual and group PMI. As well as

excellent cover, including gold standard cancer cover, all

plans include the unique Vitality programme, offering

members great potential discounts on health screens, gym

membership, travel and leisure as well as rewards for

healthy living at renewal.

Individual plans

Comprehensive

• extensive hospital care and outpatient cover.

Select

• hospital care and most outpatient cover.

Core

• hospital care and some outpatient cover.

Value (from Jan 2010)

• attracts a member co-payment.

SME plans

Comprehensive

• extensive hospital care and outpatient cover.

Essential Plus

• hospital care and most outpatient cover.

Essential

• hospital care and some outpatient cover.

Corporate plans

We offer fully insured, cost-plus and trust schemes with

flexibility to meet your clients’ needs.

contactTelephone: 0800 092 1333


Website: www.pruhealth.co.uk/adviser

30

Shaun MatisonnCEOPruHealth



Awards2009

ilp


Moneyfacts®

Best Private Medical Insurance Provider

Hands up if your clients want HealthInsurance from the Best PMI Provider 2009.

PruHealth provides truly rewardinghealth insurance.

In these difficult times, your clients probably want morefrom their Health Insurance than ever. Our individual and group plans offer high quality cover and access to the highest levels of care, whilst our unique Vitalityprogramme rewards members for living a healthy lifestyle.

� Award-winning health insurance with a range of cover options.

� Market-leading Gold Standard cancer coveraccredited by Cancerbackup.

� Unique Vitality incentive programme to encourage people to get and stay healthy withgreat potential rewards at renewal for doing so.

� Special partner rewards and discounts including Virgin Active, Nuffield Health, Eurostar and Champneys.

Benefits for all

PruHealth members have access to great potentialdiscounts with a range of health and leisure partners.So, whereas most health insurance only benefitsmembers when they make a claim, with PruHealththere are benefits for everyone throughout the year.

pruhealth.co.uk/adviser0800 092 1333

Winners for the third year running.

refined, and has a reputation for

innovation. Its Family Pension Trust

was the first of its type launched after

A-Day, when legislation governing

pensions changed in April 2006, and

has since been copied by other

providers. In May 2009, the

Rowanmoor Pensions SIPP was

launched. Rowanmoor Pensions also

offers actuarial services and a

selection of services for small group

pension schemes.

The United Kingdom is one of the

great innovative centres of the world.

99.9% of all businesses in the UK are

small or medium sized enterprises,

run by entrepreneurs. For the

entrepreneurial company director or

proprietor, a small self-administered

scheme (SSAS) is not only a pension

fund to build financial security in later

life but also an excellent tool to assist

in achieving business economic

success.

With good business financial

planning advice, the innovative

owner-manager can make their SSAS

work for their business whilst building

up a substantial pension fund to

benefit them and their family in

retirement.

Rowanmoor Pensions’ aim is to

continue to be the premier provider

of member-directed pension

arrangements in the UK.

Clients and introducers expect an

exceptional level of personal

specialist services and that is

precisely what is provided.

Rowanmoor Pensions’ policy is:

• to be professional and innovative in

the approach taken to all aspects

of business;

• to provide a friendly and efficient

service;

• to have a close involvement with

clients and an interest in their needs;

• to invest in staff, giving them the

expertise, knowledge, skills and

technology they need to provide a

first class service to our clients.

Rowanmoor Pensions is the UK’s

largest independent small self-

administered scheme (SSAS)

provider and has been at the

forefront of the member-directed

pensions industry for over thirty

years. Rowanmoor Pensions is a

true service provider, focused on

sustaining a high quality, personal

service for all clients and advisers,

which is continually assessed and

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As a respected, award winning market leader, we:

• provide clients with scheme rules offering the widest

flexibility permitted by legislation

• appoint a named administrator to each and every

scheme or plan; there are no call centres or anonymous

customer service departments

• work with advisers and clients to find practical solutions

to problems, including attending client meetings where

required

• take on the responsibility and potential risk of acting

as the appointed scheme administrator for all our

clients.

Services include:

• independent trustee and administration services

including undertaking the role of scheme administrator

• actuarial services

• consultancy services covering business financial

planning, personal wealth management and business

continuity planning using member-directed pensions

• employee benefits packages.

We are delighted to win the Investment Life and Pensions

Moneyfacts award for Best SSAS Provider for the second

year running.

contact

32

Ian HammondManaging DirectorRowanmoor Pensions



Awards2009

ilp


Moneyfacts®

Best SSAS Provider

Rowanmoor Pensions

Rowanmoor House

46-50 Castle Street

SALISBURY

SP1 3TS.

Tel: 08445 440 550

Fax: 08445 440 500


Web: www.rowanmoor.co.uk

play such an important and valuable

role in people’s lives.

We focus only on pensions - which

is just part of the reason why we like

to think we are good at what we do.

Everything we do, from our carefully

selected investment choices to our

excellent customer and online

services, is designed to help our

customers save for their futures.

We are part of the UK’s largest

mutual insurance company

The Royal London Group underpins

our business with great financial

strength. This means that our

business is not being buffeted by

‘short selling’ speculators or the

pressures of a volatile share price.

We believe in independent

financial advice

We don’t sell our pensions direct. We

don’t own stakes in financial

intermediaries. We focus all our

efforts on the IFA market so earning

and maintaining their support is

crucial to us.

We aim to be positively different

Rather than choosing to blend in with

the herd, we aim to succeed by

standing out from the crowd - taking

a different view, breaking new

ground, backing our own judgement

wherever we can. We have a proven

track record of innovation and we’ll

never stop looking for ways to

improve what we do.

Company Profile

Aw

ards 2

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9...T

he w

inner’s p

rofile

Products and ServicesWhat we do

We offer an industry-leading corporate pension service that

centres on support for advisers, employers/trustees and the

scheme member. We are one of the few providers to offer a

full range of corporate pension services to employers and

trustees, including both defined contribution and defined

benefit options. Whichever you choose, we can put together

customised packages which can include an award-winning

benefits administration package - works4you - and a

comprehensive member communications strategy.

We understand that every business has different

requirements. One of the strengths of our corporate

pension proposition is its flexibility. We design every aspect

of our pension plans to be adaptable to the different needs

of our customers.

Retirement Solutions is our range of defined contribution

pensions including group personal, stakeholder and

company pension options. It offers a choice of features

including our innovative range of governed investment

options, effective member communications material and

excellent online and customer service.

We have maintained our presence in the defined benefit

market. As with all our options, our proposition is designed

to be flexible. Employers and trustees can decide which

services they want us to provide and they only pay for

what they use.

We also specialise in pensions for individuals. Pension

Portfolio is our single lifestyle solution that can act as a

personal pension, a SIPP and as an income drawdown

plan, using our award winning Income Release facility, all

in the same wrapper.

Looking ahead

With the RDR and 2012 pension reforms firmly in mind,

innovation, technology and driving industry debate are all

examples of where Scottish Life is firmly placed to lead

the way.

contactEmail: [email protected]

Website: www.scottishlife.co.uk

34

Keith MacPherson Head of Marketing DevelopmentScottish Life



Awards2009

ilp


Moneyfacts®

Who is Scottish Life?

We are a specialist pensions

provider. Our business is to provide

pensions - and to ensure our

customers enjoy financial freedom

in their later years. We’re proud to

Best Group Pension Provider

“Rather than choosing to

blend in with the herd, we

aim to succeed by standing

out from the crowd - taking

a different view, breaking

new ground...”

Investment, Life & Pensions

Moneyfacts Awards 2010

at the London Marriot Hotel

Grosvenor Squarewww.moneyfacts.co.uk


Awards2010

ilp


Moneyfacts®

Date in your diary17 September 2010

Awards supplement 2009



Awards2009

ilp


Moneyfacts®

And the winners were...

MONEYFACTS GROUP plc, Moneyfacts House, 66-70 Thorpe Road, Norwich NR1 1BJ Tel: 0845 1689 689 Fax: 0845 1689 690

email: [email protected] www.moneyfacts.co.uk

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IS COPYRIGHT AND THAT PHOTOCOPYING IT IS ILLEGAL.

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