Principles and Practices
The Financial Conduct Authority (FCA) requires all insurance companies writing with-profits business to establish and maintain Principles and Practices of Financial Management (PPFM) to explain how with-profits business is managed.
- Click here to view our Principles and Practices of Financial Management.
- Click here to view our Notification of changes to our Principles and Practices of Financial Management (PPFM) 2026 vs PPFM 2018
- Click here to view the Report of the Board to With-Profits Policyholders 2025-26.
- Click here to view Terms of Reference of Independent Adviser for With-Profits Policyholders.