Annual bonus rates
| Product | Tables | 2015-2017 |
2018* |
|---|---|---|---|
| Tax Exempt Savings Plans | 8, 10, 11, 21, 22 | 1.20% | 1.20% |
| Standard Savings Plans | 12, 14, 15, 16 | 1.00% | 1.00% |
| Lump Sum ISA / Monthly ISAs (prior to 01/01/2016) | 24, 25, 28 | 1.50% | 1.50% |
| Monthly ISAs (from 01/01/2016) ** | 29,30 | – | 2.50%** |
| Lifetime ISA (after initial guarantee period) | 31 | – | 1.50% |
| With Profit Bonds & Flexible Savings Plans | 19,26,27 | 1.20% | 1.20% |
| Fully Paid Tax Exempt Savings Plan | 11 | 1.50% | 1.50% |
| Fully Paid Standard Savings Plan | 12 | 1.20% | 1.20% |
*Annual Bonus rates for 2018 will not be decided until the end of the year. For policies maturing or surrendering in 2018 we currently allow for annual bonuses at an interim rate as shown above (paid pro-rata, depending on the maturity or surrender date).** For Tables 29 and 30 outside of their guaranteed bonus period, the bonus rate is currently 2.5% as indicated in the table above. Please note that Final Bonuses do not apply to Tables 29 and 30. |
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Final bonus rates
With-Profit and ISA Bonds
| Final Bonuses as at 1 January 2018 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Last Anniversary Date | 2017 Q1 |
2017 Q2 |
2017 Q3 |
2017 Q4 |
2018 Q1 |
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| 5 Year | 17% | 18% | 18% | 18% | 18% | ||||
| 10 Year | 34% | 37% | 38% | 38% | 39% | ||||
| 15 Year | 60% | 63% | 65% | 66% | 67% | ||||
| 20 Year | 87% | 89% | 88% | 87% | 86% | ||||
Regular Premium ISA final bonus is for completed tax years (currently based on 2017 Q2 anniversary).
Flexible Savings Plan final bonus is for completed calendar years (currently based on 2018 Q1 anniversary).
Ten Year Savings Plan / Fixed Term Endowment
| Year of Maturity | ||||||||
|---|---|---|---|---|---|---|---|---|
| Duration | 2015 | 2016 | 2017 | 2018 | ||||
| 10 Years | 11% | 10% | 15% | 18% | ||||
The ten year savings plan has a maturity option at 10 years but can be left invested as a lump sum with a maturity option each year thereafter.