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Making an application

The first step in purchasing an investment through us is to obtain an illustration, which shows how your contributions might grow over a given period. You are under no obligation to accept the product. Please click on the type of investment you wish to obtain illustrations for:

To obtain our full discounts, we cannot make recommendations or advise you about your individual circumstances. If you do want financial advice we will be pleased to help, but will not be able to discount the policy - click here for more details.

Regular or Single premium pension (see notes below)
Investment bond
PEP transfer
Unit trust
ISA

For non-investment policies, we will be happy to quote you the premiums for your selected level of cover and any options. Again you are under no obligation to proceed. Please choose the type of insurance you require:

Life assurance
Critical illness insurance
Permanent health insurance

If there is any other financial product or policy you are interested in, please contact us.
We can usually obtain excellent discounts on other products.

We offer excellent discounts on the following types of pension:

Free-Standing Additional Voluntary Contribution (FSAVC) plans for members of company pension schemes;

Personal Pension Schemes & Stakeholder Pensions
for the employed and self-employed;

Executive Pension Plans (EPPs) for directors and executives.

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If you have an existing pension plan and wish to increase contributions to it, please contact us and we will explain how our discounts can benefit you. Part of your additional investment will normally go as commission to the agent who incepted the plan for you but we will usually be able to offer you the same large discounts for increases in premiums or for single investments.

To achieve these discounts you need only send a "change of agency" letter (which we will provide) to your pension provider. No further commission would normally be payable to the original agent who effected the plan.

If you switch agencies in this way you will maximise the benefit of your additional contributions - why lose out if you've decided to increase your investment?