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Awards supplement 2009

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Awards 2009

Investment Life & Pensions

Moneyfacts

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www.moneyfacts.co.uk


Welcome to the Investment Life & Pensions M The ceremony The 2009 award winners were unveiled at a special ceremony held in the stunning surroundings of the Brewery in London on 25 September. Over 400 industry professionals gathered to honour this years outstanding providers and products.

Welcome to our special supplement celebrating the winners of the 2009 Investment Life & Pensions Moneyfacts Awards. A major factor in determining the long term success of any company is its ability to provide products that truly match customers’ needs along with a professional level of service. It is this belief that stands at the very heart of our annual awards.

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

Now in their eighth year, the Investment Life & Pensions Moneyfacts awards recognise the providers that have delivered the most competitive products, the best levels of service and shown the greatest innovation during the last twelve months. There can be little doubt that operating in the current economic environment has provided a major challenge for many financial companies. In the wake of the collapse of Lehman Brothers, the ongoing credit crisis and continued stock market uncertainty, consumer confidence in the financial sector remains fragile. As a result, clients are increasingly looking for reassurance that the products they select offer good value for money.

Also presented at the ceremony were the inaugural winners of our Good Advice Awards, which recognise the country’s very best adviser organisations. The process So what makes the Investment Life & Pensions Moneyfacts Awards so special? The answer rests with the rigorous process through which the winners emerge.

Although it has been another difficult year for the financial services industry, product providers have not been resting on their laurels. Indeed, the testing environment appears to have encouraged even more providers to enhance their propositions and improve their customer service in an attempt to stand out from the crowd. With competition in this year’s categories particularly fierce, identifying the very best providers has been no mean feat.

Our awards are based on a combination of the analytical expertise of our research team and the opinions of our IFA readership who advise on a daily basis. After all, who is in a better position than you, the adviser, to know which products really work for your clients? This year a record number of IFAs cast their votes online for their favourite providers, testament to their

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oneyfacts Awards supplement

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Awards 2009

desire to show their appreciation for those companies who really are delivering on their promises. By combining our renowned research data with the genuine feedback from advisers, you can be confident that those companies that eventually emerged as winners are truly leaders of their respective fields.

Investment Life & Pensions

Moneyfacts

32 awards were contested, focusing on a number of key aspects such as service, product excellence, competitive pricing and innovation. To keep pace with the continuously evolving financial services landscape three new categories were introduced this year: Best Third Way Product Provider, Best Enhanced Annuity Provider and Best Group Protection Provider. The winners Over 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 first time. All the winners and finalists should be proud of their achievements and have set exemplary standards for the rest of the industry to follow. I hope that you find this supplement a useful source of information, allowing you to identify the financial products that your clients deserve. Congratulations to all the winners, and a special thank you to all of you who took the time to vote.

Editor, Investment, Life & Pensions Moneyfacts

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contents 2009 winners’ list

4

AA Insurance Services

6

Abbey

8

Aviva

10

Canada Life

12

Cirencester friendly

14

Ecclesiastical Investment Management

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


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Awards 2009

Investment Life & Pensions

Moneyfacts

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2009 winners’ list Best Investment Service Winner: Prudential Highly Commended: Sterling Commended: Skandia Best Protection Service Winner: Bright Grey Highly Commended: Legal & General Commended: LV= Best Pension Service Winner: AEGON Scottish Equitable Highly Commended: Standard Life Commended: Scottish Life Best Online Service Winner: Zurich Highly Commended: Standard Life Commended: Skandia Service Beyond the Call of Duty Winner: Merchant Investors Highly Commended: MetLife Commended: Cirencester friendly Innovation Award Winner: LV=(Mortgage & Lifestyle Protection) Highly Commended: Prudential (Income Choice Annuity)

Commended: MetLife Investment Bond)

(Guaranteed

Best Personal Pension Provider Winner: Scottish Widows Highly Commended: AEGON Scottish Equitable Commended: Aviva Best SIPP Provider Winner: A J Bell Highly Commended: Hornbuckle Mitchell Commended: Standard Life Best SSAS Provider Winner: Rowanmoor Pensions Highly Commended: The IPS Partnership Commended: Hornbuckle Mitchell Best Group Pension Provider Winner: Scottish Life Highly Commended: AEGON Scottish Equitable Commended: Standard Life Best Income Drawdown Provider Winner: Standard Life Highly Commended: AEGON Scottish Equitable Commended: AXA Winterthur Wealth Management 4

Best Enhanced Annuity Provider Winner: Just Retirement Highly Commended: MGM Advantage Commended: Partnership Best Third Way Product Provider Winner: MetLife Highly Commended: Lincoln Commended: Living Time Best Lifetime Mortgage Provider Winner: Aviva Highly Commended: Prudential Commended: Just Retirement Best Home Reversion Provider Winner: Home & Capital Highly Commended: Bridgewater Equity Release Commended: Hodge Lifetime Best ISA Provider Winner: Sterling Highly Commended: Skandia Commended: Invesco Perpetual Best Unit Trust/OEIC Provider Winner: M&G Highly Commended: Skandia Commended: Invesco Perpetual


Best Investment Trust Provider Winner: F&C Highly Commended: JPMorgan Asset Management Commended: M&G

Best Tax and Estate Planning Solutions Provider Winner: Octopus Investments Highly Commended: Canada Life Commended: AXA Isle of Man

Best Private Medical Insurance Provider Winner: PruHealth Highly Commended: BUPA Commended: Standard Life Healthcare

Best Multi Manager Provider Winner: Skandia Highly Commended: Seven Investment Management Commended: Jupiter

Best Ethical Investment Provider Winner: Ecclesiastical Investment Management Highly Commended: Friends Provident Commended: AEGON Asset Management

Best Group Protection Provider Winner: Canada Life Highly Commended: Unum Commended: Legal & General

Best Fund Supermarket/Platform Winner: Cofunds Highly Commended: Fidelity FundsNetwork Commended: Skandia Best Structured Products Provider Winner: Abbey Highly Commended: NDF Administration Commended: Investec Structured Products Best Investment Bond Provider Winner: Sterling Highly Commended: Prudential Commended: MetLife

Best Child Trust Fund Provider Winner: The Children’s Mutual Highly Commended: Scottish Friendly Society Commended: F&C Best Income Protection Provider Winner: Cirencester friendly Highly Commended: LV= Commended: Pioneer Best Critical Illness Provider Winner: Scottish Provident Highly Commended: PruProtect Commended: Bright Grey 5

Most Competitive Annuity Provider Winner: Canada Life Highly Commended: Aviva Commended: AEGON Scottish Equitable Most Competitive Term Assurance Direct Provider Winner: AA Insurance Services Highly Commended: Sainsbury’s Finance Commended: M&S Money Most Competitive Term Assurance IFA Provider Winner: Aviva Highly Commended: Legal & General Commended: AXA


Company Profile Most Competitive Term Assurance-Direct Provider Insurance and it also offers best buy

with the option of critical illness cover.

savings, loans and a credit card.

Terminal illness cover is also included.

Its portfolio also includes an award-

Cover can be bought online at

winning range of life insurance

www.theaa.com from as little as £6 a leading insurers.

For the third year in succession, AA Insurance has won the Moneyfacts

This is how it works:

award for Most Competitive Term

• Get an initial quote online within

Assurance - Direct Provider. While of course AA staff are delighted to receive this worthwhile accolade, it exactly represents what AA Insurance

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

stands for.

insurers “The AA is one of the most trusted and

The AA hardly needs any introduction.

• The AA then takes you through the

recognisable brands in the UK and

detailed application process. Cover

customers rightly expect great service

is chosen to suit you. You can

as well as competitive premiums -

choose the length of time and

whether it is car insurance, roadside

amount you would like to be

For over a century it has helped

assistance, European travel, buying a

covered for and you can cancel

motorists in trouble at the roadside

map at the newsagents or, indeed, life

your policy at any time

and for generations its bright yellow

cover,” said Janet Pell of AA Insurance

vans have been a familiar and

and who accepted the award.

• Quick and hassle-free to arrange. Your application can be arranged

reassuring sight the length and breadth of Britain’s roads.

She pointed out that since AA Life

online or over the phone with our

Insurance was launched only four

UK-based call handlers.

But perhaps less familiar is that the AA

years ago, it has consistently topped

is a major player in the insurance and

Moneyfacts best buy tables. AA

financial services markets. It is Britain’s

Insurance offers both level term and

leading broker of car and home

mortgage protection life insurance,

Janet Pell Head of Insurance Products AA Insurance

Products and Services AA 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

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.

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.

contact AA Insurance Fanum House Basing View Basingstoke RG21 4EA

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.

Telephone: 0870 5 44 88 66 Web: www.theAA.com 6

Awards 2009

Investment Life & Pensions

Moneyfacts

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Awards 2009...The winner’s profile

month and is selected from a panel of

products.

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Company Profile Best Structured Products Provider

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Awards 2009

end of 2008. Following the acquisition

also provide offshore banking for

of Sovereign Bancorp of the U.S. in

expatriates.

January 2009, Santander has 90

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Abbey’s roots date back to 1849, with the establishment of the National

international bank - and over 180,000

Freehold Land and Building Society. In

employees. It is the largest financial

1944, it merged with the Abbey Road

group in Spain and Latin America,

Building Society to form Abbey

with leading positions in the United

National. In July 1989, it was the first

Kingdom and Portugal and a broad

building society to convert to plc

presence in Europe through its

status and to be floated on the

Santander Consumer Finance arm. In

London Stock Exchange.

2008, Santander registered €8,876

Since 2004, Abbey has been part of

million in net attributable profit, an

the Santander Group, the third largest

increase of 9% from the previous year

bank in the world by profit.

excluding capital gains. The combination of the heritage and In the UK, Santander operates three

familiarity of the Abbey brand, backed

retail businesses - Abbey, Alliance &

by the experience, expertise

Leicester and the savings business of

and systems of Santander, is driving

Bradford & Bingley. Together they

Abbey’s plans to become the best

have over 1,300 branches, around

bank in the UK.

4,500 cash machines and they provide a full range of retail and Santander is one of the largest banks

Abbey, Alliance & Leicester and the

corporate banking services to

savings business of Bradford &

24 million customers.

Bingley will all become known as

in the world. Santander has more than

Santander by the end of 2010.

150 years’ experience in banking, and

Abbey is one of the UK’s leading

more branches worldwide than any

personal financial services companies.

Bradford & Bingley will be rebranded

other international bank.

Our goal is to be the best bank on the

from the first quarter of 2010 and

The statistics are impressive.

Abbey and the savings business of

high street in the UK for customers

Alliance & Leicester will follow later in

and employees.

the year. The move will deliver a

Santander is a retail and commercial

significant advantage for customers

bank, based in Spain, with operations

We offer a full range of personal

as they will be able to use any of

in more than 40 countries. At the end

financial services, both direct and

1,000 Santander branches from early

of 2008, Santander was the largest

through intermediaries. The range of

2010, rising to over 1,300 by the end

bank in the eurozone by market

services includes mortgages and

of 2010.

capitalisation and third in the world

savings, bank accounts, loans and

by profit.

credit cards, long term investments including pensions and unit trusts, life,

Founded in 1857, Santander had

critical illness and unemployment

¤1,168 billion in managed funds at the

cover and household insurance. We

Products and Services

contact

Abbey offers free advice on a range of investments including: • Structured products • Portfolio investments • Premium investments • Pensions

2 Triton Square,

Mehdi Kadhim Head of Private Investor Product Sales at Santander Global Banking & Markets

Regents Place, London NW1 3AN Telephone: 0845 765 4321 8

Awards 2009...The winner’s profile

million customers, more than 14,000 branches - more than any other

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Company Profile Best Lifetime Mortgage Provider

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Awards 2009

The equity release market is

Provider 2009’ means so much to the

undoubtedly going through a period

staff at Aviva who work in equity

of change, but it is clear that there

release.

remains a strong consumer demand 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

“...winning the accolade ‘Moneyfacts Best Lifetime Mortgage Provider 2009’ means so much to the staff at Aviva who work in equity release.” Dominic Fraser-Smith Group Product Manager Aviva Equity Release

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.

Products and Services Aviva 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.

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.

contact

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.

Aviva Equity Release www.aviva.co.uk/equity-release 0800 0925 895 We only advise on products sold by Aviva. 10

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Awards 2009...The winner’s profile

for equity release. We, as providers

Investment Life & Pensions

Moneyfacts


EQUITY RELEASE FOR HOMEOWNERS AGED 55 AND OVER

“Unlock cash with equity release... ...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 Union After 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 brilliant Obviously, 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 road We 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 Union to anyone Without 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.

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 your circumstances and make a recommendation as to whether it’s right for you or not. This is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

Call us in Norwich to book a no obligation appointment or to request a FREE DVD information pack.

0800 0925 895 Quoting ref: 9232/72

Lines open: Mon – Fri 8am to 8pm, Sat 9am to 5pm, Sun 10am to 4pm.

www.aviva.co.uk/equity-release

Our experienced and qualified advisers will help you understand the award winning products offered by Aviva.

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 wish to 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

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

Title

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

Surname

First name

Address

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 home and send me a FREE DVD information pack Please send my FREE DVD information pack My date of birth

Partner’s date of birth Postcode

Email

Tel no.

ref: 9232/72


Company Profile Most Competitive Annuity Provider

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Awards 2009

Provider for 2009, following our wins

protection on standard annuities.

in 2006, 2007 and 2008. Although

And with the addition of enhanced

our annuity rates are competitive

annuities to our retirement income proposition, we are well placed to continue to grow our business within

fund sizes when it is even more

the open market.

important for clients to maximise their retirement income.

Additionally we are continuing to

The award highlights our

tax and estate planning solutions

consistently good rates over a

and are pleased that this has been

develop our onshore and offshore

Canada Life is a market leader in the open annuity market, writing significant volumes of annuities through a combination of

significant period of time and this,

recognised within the IFA community

combined with our excellent levels

by being Highly Commended in the

of service and new business

Best Tax and Estate Planning

turnaround times, means that clients

Solutions Provider category for the

and advisers alike can have high

third year running. We pride

levels of confidence in looking to

ourselves on our technical expertise,

Canada Life to provide their annuity

advice and support in this area and

products.

these skills have allowed us to

“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.”

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.

competitive rates and making it easy for advisers to do business with us.

Our excellent rates and service are complemented by our diverse range

We are delighted to be awarded the

of annuity options; we remain the

title of Most Competitive Annuity

only provider to offer value

Peter Gould Annuity Development Manager Canada Life

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.

combines highly competitive rates with the opportunity for further growth. Protection - a range of individual and group protection plans

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.

contact Telephone: 08457 226232

Retirement Planning - our award winning annuity proposition backed up by our high levels of service. The innovative flexible annuity, the Annuity Growth Account,

Fax: 01707 671194 Website: www.canadalife.co.uk/ifa 12

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Awards 2009...The winner’s profile

across the board, we have been particularly strong for the smaller

Investment Life & Pensions

Moneyfacts


Canada Life Tax & Estate Planning solutions 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.

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

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

ST TAX ST TAX AND TA AND D ESTATE ES ESTA ST TA TAT AT ATE TE E ANN AN NIN NI NIN NG G SOLUTIONS SO OLUTIONS LUTIONS LU UTIONS UT TIONS TI IONS ONS O NS S PR PR ROVIDER OVIDER OVIDER VIIDER DER DER

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.

BEST TAX AND ESTATE PLANNING SOLUTIONS PROVIDER


Company Profile Best Income Protection Provider

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Awards 2009

who hold a contract with us, meaning

from strength to strength. Starting

we can ensure that profits are only

with around 14,000 Members and

distributed to customers, or

assets of £25 million, its latest results

Moneyfacts

reinvested to give better returns,

show Membership close to 30,000

www.moneyfacts.co.uk

better value and higher levels

and assets of £47 million.

“I am delighted that Income Assured Plus continues to be recognised so highly, particularly in such a competitive market.” Committed to maintaining its high

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

standards, the Society is proud to

friendly’s healthy balance sheet and

have been voted Best Income

investment growth has not been

Protection Provider for the second

achieved at the expense of contract

year running by the readers of

holders. In 2008 £1.9 million was paid

Investment Life & Pensions

to Members in claims and a further

Moneyfacts magazine, many of

£2.3 million distributed to Members in

whom have helped to make our

the form of bonuses - with any

income protection product, Income

surpluses used to make it a more

Assured Plus, one of the market’s

efficient and, indeed, an award-

top-selling products.

winning company.

As a single product provider,

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

established in 1890, income Cirencester friendly is a mutual

protection is what we know and do

organisation specialising in income

best and this has clearly once again

protection with the added benefit of

been recognised.

an investment option. As a mutual organisation, we are not owned by

Under the direction of Hudson since

shareholders but by our Members

1997, Cirencester friendly has gone

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

Paul Hudson Chief Executive Cirencester friendly

Products and Services Income 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:

• Index-linking

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

• Premium waiver after 28 days of claim

• Day one accident protection for deferred contracts

contact

• A choice of pure protection, protection with investment or investment only

Telephone: 01285 652492 / 653073

• No loadings for occupation, gender, smoking or hazardous pursuits

Customer Services Helpline: 0845 603 8085

Sales Hotline: 0800 587 5098

• Career break holidays

Fax: 01285 641246

• Range of retirement ages from 50 to 65

Email: info@cirencester-friendly.co.uk

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

Website: www.cirencester-friendly.co.uk 14

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Awards 2009...The winner’s profile

of service.

Investment Life & Pensions


Company Profile Best Ethical Investment Provider

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Awards 2009

UK’s top Ten Corporate Donors, as

experience, Sue and her team have

compiled by The Directory of Social

been able to deliver excellent long-

Change, and have donated almost

term performance, and have helped

£48 million in charitable grants over

make Amity one of the core leaders

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

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

Ecclesiastical Investment Management

violent or explicit material. We also

has over £1.2bn of assets under

actively look to invest in companies

management and has been at the

that make a positive contribution in

forefront of socially responsible

the communities and environment in

investing since 1988. Investment

which they operate. These include

Manager Sue Round launched one

healthcare, education, community

of the UK’s first retail ethical funds –

and labour relations and

Ecclesiastical Investment Management

the Amity UK Fund – over 20 years

environmental management.

is the investment arm of

ago and we now offer a full range of

Ecclesiastical, a niche insurance

Amity screened funds to give your

company specialising in church,

clients the opportunity to diversify

home and wedding insurance.

across asset classes and regions.

We have around 175,000 customers across the globe and are one of the

With the benefit of this extensive

Ketan Patel, Senior SRI Analyst Ecclesiastical Investment Management

Products and Services Ecclesiastical 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.

contact

In addition to winning Best Ethical Provider at the ILP Moneyfacts Awards 2009, our funds have also been recognised this year.

Sue Round Ketan Patel

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).

Daniel Barber Address: 19-21 Billiter Street London EC3M 2RY

The Higher Income Fund won the Lipper award for Best Fund over 10 years in the Equity Global category 2009.

Telephone: 0845 604 4056 16

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Awards 2009...The winner’s profile

within this field. Senior Fund

the past 15 years.

Investment Life & Pensions

Moneyfacts


Company Profile Best Home Reversion Provider

ilp

Awards 2009

Ltd. It also recently announced a

in equity release. Through SHIP,

deal to take over responsibility to

Home & Capital successfully

administer a portfolio of

lobbied for the regulation of home

approximately 1,000 home

reversion plans by the FSA

reversion plans on behalf of a major

(Financial Services Authority),

international financial institution,

which came into effect in April

thereby increasing its plans under

2007. Over its 30-year history,

management from over 2,000

Home & Capital has rightfully been

to 3,000.

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,

“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.”

provide and administer home Simon Little, Managing Director of

reversion plans.

Home & Capital Trust Ltd said: The Home & Capital home

“Winning the Best Home Reversion

Home & Capital is one of the

reversion plans incorporate SHIP

Provider award for the third year

longest established names in the

safeguards including security of

running is a real credit to our staff

equity release sector. Since it was

tenure for life (on a rent-free basis)

and a testament to the exceptional

founded over 30 years ago in 1978,

and the right to move without

personal service and attention to

Home & Capital Trust Limited has

financial penalty.

detail we endeavour to provide to all our customers.”

become a leading provider of home reversion plans for retired

Home & Capital continues to

homeowners, and a founder

capitalise upon its extensive

member of SHIP (Safe Home

in-house sector knowledge to run

Income Plans), the trade body

a separately regulated advisory

established in 1991 to set

business - Home & Capital Advisers

Simon Little Managing Director Home & Capital Trust Ltd

Products and Services Home & 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.

contact

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.

Client Support Centre: 0845 601 3260 Fax: 01234 271547

Most standard property types are considered and homeowners must be 65+. Minimum property value must be £75,000.

Email: enquiries@homecapital.co.uk Website: www.homecapital.co.uk 18

Investment Life & Pensions

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Awards 2009...The winner’s profile

standards for consumer protection


Company Profile Innovation Award

ilp

Awards 2009

• A letter-builder

occupation cover and the true

• Online agency applications

benefit of long term incapacity

• A paperless application process

claims payments.

• Event notification and tracking

We listened to consumers and

In these uncertain economic times,

advisers and soon realised that, to

we’ve responded positively to help

break into the MPPI market, we

fill some of the protection gap left

needed more than a great product.

by MPPI providers that have

So we applied our IP know-how and

withdrawn/restricted cover or

created a fresh solution, from the

applied steep premium hikes. For

bottom up. Beyond product

example, we’ve removed the initial

considerations this included

exclusion period for clients who

rethinking the application process,

transfer their existing unemployment

drawing on our strengths in

cover to LV=.

intelligent underwriting systems and tele-interviewing and making sure

Whilst MLP has been designed with

advisers were armed with helpful

the mortgage adviser market in

tools, insight and confidence.

mind, it’s open to all advisers, and available to anyone who has an

As a result of this process we

income to protect!

created a dedicated intermediary website which includes:

We’re proud that MLP has secured a 5 star rating from Defaqto in both

• A simple quotation system -

MPPI and income protection

integrated with leading mortgage

categories and delighted to be

In May last year, LV= launched

sourcing tools - which requires

awarded the Innovation Award by

Mortgage & Lifestyle Protection

advisers to complete only 10

ILP Moneyfacts 2009.

(MLP), a truly revolutionary income

fields for IP products

protection solution directed towards

• Online learning material

the mortgage adviser market.

• Insights on how to sell protection

Designed to provide superior cover

• Practical facilities including a

to traditional MPPI products, MLP

downloadable marketing toolkit to

offers the security of guaranteed

get started

Chris McFarlane Head of Protection LV=

Products and Services Being a well respected and leading provider isn’t just about the right products - it’s also about delivering the right support and service.

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.

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.

contact Telephone: 0845 602 0690 Website: www.LV.com/adviser

*Association of Friendly Societies Key Statistics 2008 Total Net Assets

20

Investment Life & Pensions

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Awards 2009...The winner’s profile

rates, the simplicity of own


For Financial Adviser use only.

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

t Quote and apply online in a few minutes t Dedicated adviser website t Easy to use marketing toolkit t Long term accident and sickness cover t Optional unemployment cover t And guaranteed premiums too For superior cover, choose LV=. It couldn’t be more easy peasy.

Visit www.LVmlp.co.uk to find out more.

PROTECTION

PENSIONS

ANNUITIES

EQUITY RELEASE

INVESTMENTS 20911698 10/09


Company Profile Best Unit Trust/OEIC Provider

ilp

Awards 2009

Our equity investment philosophy

management and over 140 years’

One of the largest active managers of

experience in real estate investment.

equities in the UK and cited by the

PRUPIM adopts a disciplined

Moneyfacts

Financial Times as one of the top UK

approach to property investing,

www.moneyfacts.co.uk

managers for generating equity alpha,

combining market forecasts and

our philosophy is based on a bottom-

research views on rental growth, with the detailed market knowledge of

to develop a boutique culture that

surveyors.

enables us to generate stock selection alpha for a large scale of assets.

A diverse fund range Our fund range is designed to

Our fixed income investment

provide attractive investment choices

philosophy

across a range of asset classes

As one of the largest fixed income

including equities, fixed income and

managers in the UK with a history of

property. Specific client needs

firsts, (including the launch of

accommodated by our funds range

Europe’s first leveraged European

from US equities to leveraged loans.

loan fund), our focus is on in-house research to identify investment

When you choose M&G, you are

opportunities where asset prices have

investing in a business built on

moved away from those implied by

conviction, which has a can-do

long term fundamentals.

attitude and challenges the consensus. This approach is

You’re in good hands

Our property investment philosophy

reflected in everything we do.

Currently at M&G we look after over

PRUPIM (Prudential Property

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

350,000 investors and have over

Investment Managers Ltd), our

£149 billion under management.

property subsidiary, is one of the largest property investors in the UK

Our fund managers are highly skilled

with over £12 billion under

Greg Mullins Director of Advisory Sales M&G Investments

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.

“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.”

Products and Services 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.

contact

Today we offer our clients a wide range of unit trusts and OEICs, covering all the key asset classes including

M&G Customer Relations, Freepost RLTZ-JCHJ-THJB, The M&G Group, PO Box 9039, Chelmsford CM99 2XG

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

Telephone: 0800 390 390

property investment. 22

®

Researching the market for you

Awards 2009...The winner’s profile

up approach to investing. Our aim is

Investment Life & Pensions


Company Profile Service Beyond the Call of Duty

At Merchant Investors we strive to deliver a first class service to support both intermediaries and their clients. For us, service is not

Awards 2009

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 inhouse • Named individuals to speak to • Dedicated pre and post sale support teams • Access to a team of regional sales managers

just about turnaround times but much more about the human

Service levels are high on the

aspect. We believe in building long

agenda for every intermediary and

term relationships and will work

we aim to make your life easier.

closely with intermediaries to Merchant Investors has been

understand their business, their

offering tax efficient wrappers for

needs and those of their clients. We

over 35 years. For the last 25 years

provide an intermediary support

we’ve established ourselves as a

structure to deliver this in the most

Joanna Bambrough Head of New Business Procurement Merchant Investors

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.

Products and Services We 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

• MI Offshore Bond (to be launched Q4 2009) • Merchant Investors ISA

• Investment Portfolio - a single premium life insurance bond

Contacting us is easy

• Versatile Investment Portfolio - an open architecture single premium life insurance bond

Telephone: 0117 975 2355 Email: ifapartners@merchinv.co.uk Website: www.merchant-investors.co.uk

• Transfer Pension Portfolio - a S32 transfer plan 24

Investment Life & Pensions

Moneyfacts

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Researching the market for you

www.moneyfacts.co.uk

Awards 2009...The winner’s profile

“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.”

ilp


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Company Profile Best Tax and Estate Planning Solutions Provider and innovation through designing

providing customers with innovative

products that meet the needs of

products and exceptional service.

investors.

We aim to build long term

ilp

Awards 2009

Investment Life & Pensions

Moneyfacts

®

relationships and help investors meet their financial goals. We listen

widened its customer base to

to our customers (both advisers

over 20,000, with funds under

and investors), designing products

management of over £1 billion.

that meet their needs, and working

The company enjoys leading

to ensure they remain informed

positions in every market area

and involved throughout the

where it operates. It has a very wide

investment process.

investment focus, from unquoted

Octopus Investments, established in 2000, is a leading investment

investments in its tax efficient

We recognise that no two

products (VCTs and EIS), through

customers are the same, so we

smaller CAP and BPR qualifying

offer a wide range of products to

business in its IHT products and

suit different types of investor.

smaller companies fund, with

We also deliver a personalised

mid/larger CAP and multi manager

service, tailored to customers’

products in its absolute return and

requirements. Furthermore, our

multi manager products.

fund managers are always

“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.”

specialist. Since launching nearly ten years ago, the company has

Octopus is an investment company

developed a reputation for quality

with a difference, focused on

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.

Noreen Kelly Field Relationship Manager Octopus Investments

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

• Top performing OEICs including an absolute return fund that is number one in its sector • Leading private equity player in sub-£25million deals

• 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

• 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.

contact

• 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.

Visit us at www.octopusinvestments.com or call us on 0800 316 2349 26

Awards 2009...The winner’s profile

Since inception, Octopus has

Researching the market for you

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Company Profile Best Investment Service

ilp

Awards 2009

seriously. It is often the litmus test for

customers worldwide, looking after

advisers and investors alike.

£245bn (as at 30 June 2009). We

We understand that you value

never forget it’s not our money, but

access to someone who

has been entrusted to Prudential’s

understands and takes ownership of

fund management companies,

issues. This award is recognition of

among them M&G, one of the UK’s

the behind-the-scenes effort going

largest and most experienced fund

on at Prudential to ensure we

managers. We manage money,

provide excellence at every service

recognising its outcome influences

contact point.

the financial futures of millions of individuals, especially those approaching or already in retirement.

As an industry the Retail Distribution Review will usher in a new era. Products or tax wrappers will require

We know financial and brand

a bit of a facelift as the separation of

strength mean even more to clients in

product and advice costs will cause

difficult times. In times like these our

them to take on a leaner, fitter look.

experience, size, strength and

The challenge is that in the era of

stability become immensely

adviser fees and costs, the quality of

important in restoring confidence for

service becomes vital.

those seeking reassurance. Thank you for recognising our efforts. Service is often undervalued; it Prudential is one of the largest UK

shouldn’t be. While products appear

insurance companies, with a 160 year

to be the industry ‘poster boys’, at

heritage of protecting and providing

Prudential our service infrastructure

financial support through all manner

enjoys joint billing in terms of focus,

of crises and calamity. We provide

effort and energy. We take service

We appreciate your support.

Frank Morton Head of Development Investment Business Unit Prudential

Products and Services We 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

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.

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:

contact Address Prudential plc Laurence Pountney Hill London EC4R 0HH

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.

Telephone Freephone 0808 234 0808

Portfolio Management Group (PMG) Multi-Asset Funds Our experience shows that there is strong demand for

Website - visit www.pru.co.uk or our dedicated adviser website www.pruadviser.co.uk 28

Investment Life & Pensions

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Awards 2009...The winner’s profile

financial management for over 21m


FOR ADVISER USE ONLY Ð NOT APPROVED FOR USE WITH CLIENTS.

LIFE DOESNÕT COME WITH A GUARANTEE. w e n r u o t Bu Fund does. Pru Our new PruFund Protected Cautious Fund offers a 5th anniversary investment guarantee, available on our Flexible Investment Plan. To Þnd out more, please talk to your Account Manager, call 0808 234 0808 or visit pruadviser.co.uk

Special offer:

0.5%

p.a.

Cost of the guarantee for a limited period.

For all business written until 31 December 2009, the cost of the guarantee on the PruFund Protected Cautious Fund will be just 0.5% p.a. fixed throughout the five year guarantee period (normally 0 nd or withdraw this offer without notice and at any time. Calls may be monitored or recorded for quality and security purposes.


Company Profile Best Private Medical Insurance Provider further innovation, offering your

award, combined with our continued

clients quality PMI but at more

growth, proves that our innovative

sustainable and competitive prices.

concept, added customer value and

This includes the launch of a new

dedication to intermediaries is really

Value plan for individuals, along with

making a difference. Thanks to all of

reduced barriers to entry and a focus on clinical measures in the Vitality

you who voted.

programme. To find out more Making people healthier is our

about the developments, visit

primary objective. Our recent report -

www.pruhealth.co.uk/2010.

the Vitality programme five years on, available at www.pruhealth.co.uk/2010

We wouldn’t be where we are today

- highlights the impact of the Vitality

without you. Earlier this year we

programme in reducing claims and

conducted detailed adviser research

improving the health of our members.

and have used the excellent feedback in the development of

2009 has been another year of

our products, service and

growth and innovation. Launched in

communications. It is great to

PruHealth provides truly rewarding

March, the Select Plan for individuals

receive this award as recognition

private medical insurance. We offer

has performed beyond all

for our efforts. We look forward to

excellent cover, service and the

expectations. We are also cementing

your ongoing support as we continue

unique Vitality programme, designed

our place in the corporate market,

to innovate and grow the PMI market

to improve the health of our members

having taken on some very large

through 2010.

with benefits for all, not just those

schemes in the past year.

who claim. We believe the PMI market is full of We are immensely proud to have won

opportunity, despite the difficult

the Moneyfacts Best PMI Provider

economic climate. 2010 will see

Shaun Matisonn CEO PruHealth

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. 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.

SME plans Comprehensive • extensive hospital care and outpatient cover. Essential Plus • hospital care and most outpatient cover. Essential • hospital care and some outpatient cover.

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.

Corporate plans We offer fully insured, cost-plus and trust schemes with flexibility to meet your clients’ needs.

contact Telephone: 0800 092 1333 Email: quotes@pruhealth.co.uk Website: www.pruhealth.co.uk/adviser 30

Awards 2009

Investment Life & Pensions

Moneyfacts

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Researching the market for you

www.moneyfacts.co.uk

Awards 2009...The winner’s profile

Award for the third year running. This

ilp


Hands up if your clients want Health Insurance from the Best PMI Provider 2009. PruHealth provides truly rewarding health insurance. In these difficult times, your clients probably want more from 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 Vitality programme rewards members for living a healthy lifestyle.

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

Winners for the third year running. ■ Award-winning health insurance with a range of cover options. ■ Market-leading Gold Standard cancer cover accredited by Cancerbackup. ■ Unique Vitality incentive programme to encourage people to get and stay healthy with great potential rewards at renewal for doing so. ■ Special partner rewards and discounts including Virgin Active, Nuffield Health, Eurostar and Champneys.

pruhealth.co.uk/adviser 0800 092 1333


Company Profile Best SSAS Provider

ilp

Awards 2009

refined, and has a reputation for

up a substantial pension fund to

innovation. Its Family Pension Trust

benefit them and their family in

was the first of its type launched after

retirement.

A-Day, when legislation governing continue to be the premier provider

providers. In May 2009, the

of member-directed pension

Rowanmoor Pensions SIPP was

arrangements in the UK.

launched. Rowanmoor Pensions also Clients and introducers expect an

selection of services for small group

exceptional level of personal

pension schemes.

specialist services and that is

The United Kingdom is one of the

Rowanmoor Pensions’ policy is:

great innovative centres of the world.

• to be professional and innovative in

99.9% of all businesses in the UK are

the approach taken to all aspects

precisely what is provided.

run by entrepreneurs. For the entrepreneurial company director or

of business; • to provide a friendly and efficient service;

Rowanmoor Pensions is the UK’s

proprietor, a small self-administered

largest independent small self-

scheme (SSAS) is not only a pension

administered scheme (SSAS)

fund to build financial security in later

provider and has been at the

life but also an excellent tool to assist

expertise, knowledge, skills and

forefront of the member-directed

in achieving business economic

technology they need to provide a

pensions industry for over thirty

success.

first class service to our clients.

• to have a close involvement with clients and an interest in their needs; • to invest in staff, giving them the

years. Rowanmoor Pensions is a true service provider, focused on

With good business financial

sustaining a high quality, personal

planning advice, the innovative

service for all clients and advisers,

owner-manager can make their SSAS

which is continually assessed and

work for their business whilst building

Ian Hammond Managing Director Rowanmoor Pensions

Products and Services As a respected, award winning market leader, we: • provide clients with scheme rules offering the widest flexibility permitted by legislation

• consultancy services covering business financial planning, personal wealth management and business continuity planning using member-directed pensions

• appoint a named administrator to each and every scheme or plan; there are no call centres or anonymous customer service departments

• employee benefits packages. We are delighted to win the Investment Life and Pensions Moneyfacts award for Best SSAS Provider for the second year running.

• work with advisers and clients to find practical solutions to problems, including attending client meetings where required

contact Rowanmoor Pensions Rowanmoor House 46-50 Castle Street SALISBURY SP1 3TS. Tel: 08445 440 550 Fax: 08445 440 500 Email: enquiries@rowanmoor.co.uk Web: www.rowanmoor.co.uk

• 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 32

Awards 2009...The winner’s profile

Rowanmoor Pensions’ aim is to

has since been copied by other

small or medium sized enterprises,

®

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pensions changed in April 2006, and

offers actuarial services and a

Investment Life & Pensions

Moneyfacts


Company Profile Best Group Pension Provider

ilp

Awards 2009

play such an important and valuable

‘short selling’ speculators or the

role in people’s lives.

pressures of a volatile share price. Investment Life & Pensions

Moneyfacts

®

Researching the market for you

We believe in independent

is just part of the reason why we like

financial advice

to think we are good at what we do.

We don’t sell our pensions direct. We

Everything we do, from our carefully

don’t own stakes in financial

selected investment choices to our

intermediaries. We focus all our

excellent customer and online

efforts on the IFA market so earning

services, is designed to help our

and maintaining their support is

customers save for their futures.

crucial to us.

“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...”

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

Who is Scottish Life?

We are part of the UK’s largest

never stop looking for ways to

We are a specialist pensions

mutual insurance company

improve what we do.

provider. Our business is to provide

The Royal London Group underpins

pensions - and to ensure our

our business with great financial

customers enjoy financial freedom

strength. This means that our

in their later years. We’re proud to

business is not being buffeted by

Keith MacPherson Head of Marketing Development Scottish Life

Products and Services What 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 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.

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.

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.

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.

contact Email: CB@scottishlife.co.uk Website: www.scottishlife.co.uk 34

Awards 2009...The winner’s profile

We focus only on pensions - which

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Date in your diary 17 September 2010 ilp

Awards 2010

Investment, Life & Pensions Moneyfacts Awards 2010

Investment Life & Pensions

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at the London Marriot Hotel Grosvenor Square


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Awards 2009

Investment Life & Pensions

Awards supplement 2009

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Investment Life & Pensions Moneyfacts Awards 2009 Supplement