Information on with-profits

Investing in with-profits is not available on new policies.

Some existing unit linked policies may have the option to invest in With Profits through top ups or switches. See the with-profits section on for more information.

With-profits overview

With-profits documents and podcast

With-Profits Operating Principles

This document sets out our With-Profits Operating Principles. These are the principles by which we manage our Heritage With-Profits Fund and the business in it.

With-Profits Operating Principles

Investment report

This is the most recent quarterly with-profits investment report. It sets out the mix of assets for different categories of with profits business and the investment returns on these assets.

With-profits Investment Report

Bonus update

This is the most recent adviser briefing for with-profits bonus update.

With-profits Bonus Update


Hear about some potentially valuable guarantees your with-profits customers can benefit from.

With-profits fund guarantees

With-profits fund guarantees transcript