The premiums are invested in our 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.

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. We 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.

You can only cash in a Bond in its entirety. However, we will split large investments into individual Bonds of £5,000, and you can ask us to issue Bonds as low as £2,000 if you need that flexibility.

When your Bond starts, 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.

• 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.

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

Phone: 01689 891454

Email: [email protected]