Principles and practices of
financial management
This page will allow you to obtain a copy of the Principles and Practices of Financial Management (PPFM) document for each of Norwich Union's With-Profit Funds. It will also allow you to obtain copies of the Customer Friendly Principles and Practices of Financial Management (CFPPFM) for both Norwich Union's With-Profits Funds and Unit Linked Funds. You can access the documents either by the type of policy or go directly to a With-Profit Fund or the Unit Linked Funds.
Each financial year we are required to produce documents confirming that we have complied with all of the statements and practices made within our With-Profits PPFM. We have produced a report from the Board of Directors and from the With-Profits Actuary. In addition we have also produced a document that highlights any changes that we have made to our With-Profits PPFM. Copies of these documents are available under each fund heading.
For new and existing With-Profit customers the Customer Friendly versions of the PPFM can be found on our With-Profit webpage.
To go directly to the unit linked funds
To go directly to the With-Profit Funds
- CGNU Life Assurance Limited
- CGNU Life Assurance Limited (Stakeholder Pension)
- Commercial Union Life Assurance Company Limited
- Norwich Union International Limited
- Norwich Union Life & Pensions Limited
- Norwich Union Life (RBS) Limited
- Provident Mutual Fund
If you are unsure of the fund in which your policy invests, then you can find the document by policy type by choosing from this list:
To find the document by the policy type
- Norwich Union branded policies purchased since October 2000
- Norwich Union branded policies purchased before October 2000
- Norwich Union International Bonds
- Norwich Union Isle of Man Pension policies
- Norwich Union Stakeholder Pension policies
- Norwich Union With Profit Annuities
- CGU branded policies
- Commercial Union branded policies
- General Accident branded policies
- General Life Assurance branded policies
- NatWest With-Profit Bond provided by Norwich Union
- Provident Mutual branded policies
- RBS With-Profit Bond provided by Norwich Union
- Scottish Insurance Corporation branded policies
- Scottish Union & National branded policies
- Yorkshire Insurance Company branded policies
- Yorkshire-General branded policies
To find the document by fund
Unit Linked
With Profits
CGNU Life Assurance Limited
- Norwich Union branded policies purchased since October 2000
- CGU branded policies
- Commercial Union branded policies
- General Accident branded policies
- General Life Assurance branded policies
- Scottish Insurance Corporation branded policies
- Yorkshire Insurance Company branded policies
- Yorkshire-General branded policies
- PPFM for CGNU Life Assurance Limited, (161kb)
- PPFM Information Sheet (to accompany PPFM), (50kb)
- PPFM Summary of changes, (56kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
CGNU Life Assurance Limited (Stakeholder Pension)
Norwich Union Stakeholder Pension policies
- PPFM for CGNU Life Assurance Limited (Stakeholder Pension), (135kb)
- PPFM Information Sheet (to accompany PPFM), (50kb)
- PPFM Summary of changes, (52kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
PPFM for Commercial Union Life Assurance Company Limited
- PPFM for Commercial Union Life Assurance Company Limited, (161kb)
- Information Sheet (to accompany PPFM), (50kb)
- PPFM Summary of changes, (56kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
PPFM for Norwich Union International Limited
Norwich Union International Bonds
PPFM for Norwich Union Life & Pensions Limited
- Norwich Union Isle of Man Pension policies
- Norwich Union With Profit Annuities
- Scottish Union & National branded policies
- PPFM for Norwich Union Life & Pensions Limited, (161kb)
- Information Sheet (to accompany PPFM), (15kb)
- PPFM Summary of changes, (60kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
PPFM for Norwich Union Life (RBS) Limited
- NatWest With-Profit Bond provided by Norwich Union
- RBS With-Profit Bond provided by Norwich Union
- PPFM for Norwich Union Life (RBS) Limited, (93kb)
- Information Sheet (to accompany PPFM), (50kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
PPFM for Provident Mutual Fund
Provident Mutual branded policies,
- PPFM for Provident Mutual Fund, (146kb)
- Information Sheet (to accompany PPFM), (50kb)
- PPFM Summary of changes, (58kb)
- Board report to policyholders for 2007, (23kb)
- With-Profits Actuary report to policyholders for 2007, (23kb)
WC06003 05/2008
