Awards supplement 2009
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Awards 2009
Investment Life & Pensions
Moneyfacts
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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
2
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
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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.
ilp
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
Investment Life & Pensions
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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
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
ilp
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
Moneyfacts
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www.moneyfacts.co.uk
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
Moneyfacts
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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
www.moneyfacts.co.uk
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
Moneyfacts
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www.moneyfacts.co.uk
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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Researching the market for you
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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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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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