Keeping you in the picture

We have produced a number of documents for existing Offshore With-Profits and Guaranteed Growth Fund investors. Both of these investments are part of Clerical Medical’s With-Profits Fund, and the operation of this fund has a direct impact on your investment.

If you would like a copy of any these documents, please contact us. The contents of these documents are summarised below so you can decide which one is suitable for your enquiry.

Principles and Practices of Financial Management (‘PPFM’)

The PPFM goes into great detail, focusing on the standards, methods and controls we adopt to ensure we run the Clerical Medical With-Profits Fund robustly and fairly. It also explains how we respond to changes in the business and economic environment. The PPFM annual report details how the fund has been managed in line with the PPFM.

With-Profits summary (offshore version)

This With-Profits summary is designed to provide an overview of how investments in the Offshore With-Profits and Guaranteed Growth Funds work. This summary is a simplified version of the PPFM.

With-Profits investment factsheets (offshore versions)

These documents are available for Sterling, Euro and US$ Dollar currencies and they provide information on the assets and their performance for investments in the Offshore With-Profits and Guaranteed Growth Funds.

*CMI Insurance Company Limited guarantees that the price of units in the Guaranteed Growth Funds can never fall, although a market value adjuster (MVA) may apply if you withdraw from the funds before the end of the plan term. The level of MVA depends on the currency and date of investment. Please read the ‘Clerical Medical Guaranteed Growth Funds and the market value adjuster explained’ leaflet (HE568) for more information.