Standard Life Assurance With Profits Policies

Standard Life

PLC

Ownership status

All of the businesses and companies in the standard life group are owned by standard life PLC.

Range of policies

Standard Life offer numerous with-profit policies, which are again divided between the traditional “conventional” policies, and the more modern unitised policies. The full list is as follows; Stakeholder With Profits Pensions, With Profits Bonds, Unitised pensions excluding Stakeholder, Pension Inflation Plus Fund and those covered in this list, Homeplan and other unitised life plans not included in this list, With profit pension annuities, Conventional life with profits plans and mortgage endowments, non unitized pension plans, Unitised life plans (minimum unit price growth rate 3% a year), and finally, Unitised pension plans (minimum unit price growth rate 4% a year).

Financial strength

Moody’s

Moody’s senior unsecured – A2

Standard and Poor’s

Credit rating- A/Stable/A-1

Financial strength rating – A/Stable/--

Asset Share

The following table shows the combined asset mix backing UK with profits policies at 31 December2006 (excluding stakeholder

Asset	% Share
Equities	30.7%
Property	14.0%
Fixed Interest	45.4%
Cash	9.9%

With-profit return and bonus history

The recently revised growth rates for standard life united with-profit policies are as follows

With-profit bonds

The bonus rate on With Profits Bonds remains at 2%. Customers drawing an income from their bond based on the bonus rate will continue to receive the same level of income from their investment.

Payouts for savings endowments

Payouts for mortgage endowments

Payouts for pensions

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