ISA – Lump Sum

The Metfriendly Lump Sum ISA is a Stocks and Shares ISA designed for the serious saver looking to invest for the medium to long term.

If you are determined to build your nest-egg for a financially secure future then this is for you.

As Metfriendly doesn’t pay any tax on the interest and capital gains it makes on the money you invest, our ISAs enjoy higher rates of bonus and therefore higher returns than our other more traditional savings products.

  • the potential of higher returns over the medium/long term than a Cash ISA.
  • you can save up to £20,000 tax-free each tax year (minimum investment £2,000).
  • your investment earns a bonus every year.
  • after three years Metfriendly will normally add a final bonus when you withdraw your money.
  • your spouse is eligible too which means your household could protect up to £40,000 each year from the tax man.

Special Spring offer

Boost your lump sum savings with an extra 1% (in addition to annual bonuses and a potential final bonus) when you invest or transfer £10,000 or more into a Lump Sum ISA or With-Profit Bond by 30th June 2024.

Terms and conditions apply.

What returns has this plan produced?
2020 2021 2022 2023 2024
Original amount invested £10,000 £10,000 £10,000 £10,000 £10,000
Growth over 10 years withdrawn on 1 January £5,495 £5,169 £5,187 £3,765 £3,240

£10,000 Lump Sum ISA cashed in on 1st January

Annualised return for 10 years to 1st January 2024

More info and apply
Where is my money invested?

The premiums are invested in the Metfriendly With-Profits fund. For information on what that is and how it works, including a diagram to show the approximate investment mix, please refer to the With-Profits fund page.

When can I take money out?

You can invest for as long as you want; there is no fixed term and no maximum age limit.

You can contact us at any time to cash in part or all of your plan, although you should bear in mind that the plan is designed as a medium to long term investment (5 years or more).

Charges will apply on cashing in within one year of investing. Metfriendly reserve the right to also apply a Market Value Reduction (MVR) so that the value when you cash in more fairly reflects our performance over the period of investment.

What if I change my mind?

We will send you a certificate showing your benefits and a cancellation notice. If you change your mind, you can return the notice within 30 days for a full refund.

How much will it cost for advice?
  • We do not offer or give financial advice.
  • We do not make any form of commission.
  • The cost of providing verbal or written information about this product is included in our overall expenses.
How do I contact you?

Metfriendly, Central Court, Knoll Rise, Orpington, BR6 0JA

Phone: 01689 891454 

Email: [email protected]

‘I would recommend Metfriendly to everyone.’

Mrs V Thompson, Dagenham

‘Hassle-free savings that are started every year on my behalf, without me having to call up.’


D.C. R McLaren, Hackney Borough Stations

‘I have always been pleased with the returns from my Metfriendly policies.’

Mr P Payne, Bordon

‘I’ve used Metfriendly for the last 5 years and recently the money has gone towards a deposit for our house. I will be signing back up next year to help save towards my kids future.’

Mrs A Cooper, Met CC, Bow

Good service – always very helpful and informative.

Miss J Coward, South Norwood, London

‘Very pleased with the service I’ve received to help me save money direct from my salary.’

DC Chris W, SO15

Very happy with the service. I have a number of policies for myself and my children.

Police Sergeant S Drysdale, DPS Borough Support

Great opportunity for family members to be offered the same offers as members.

Miss A McLeary, ESB

‘I’ve used Metfriendly for the last 5 years and recently the money has gone towards a deposit for our house which we are moving into next month. I will be signing back up next month to help save towards my kids future.’


Amanda Cooper (Met CC, Bow)