• 2021 Police Mutual Conference – Date Change

    2021 Police Mutual Conference – Date Change

    This article was published on Thu 28 Jan 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    As we enter another lockdown in the fight to get the Coronavirus under control, we find ourselves in the same position as many other organisations with Spring conferences booked. Last year we asked you to hold the date of Thursday 29 April 2021 but so that we are more confident that there is a light at the end of the tunnel and when we are able to meet face to face, we have taken the decision to postpone.

    The conference has been re-booked for Thursday 30 September 2021, and still to be held at the Runnymede-on-Thames Hotel near Windsor.

    It will be an all-day event as well as an overnight stay on the night of Thursday 30 September.

    We are sure you will agree this is the right decision in the current circumstances. More details to follow but in the meantime, please add this new date to your diary.

    Joanne Palmer

  • Children’s Mental Health Week 2021

    Children’s Mental Health Week 2021

    This article was published on Thu 28 Jan 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    You can download this guide as a PDF

    Children’s mental health week is run through Place2Be, a children’s mental health charity that provides counselling, support and training in UK schools. The first Children’s mental health week was held in 2015 and was set up to highlight the importance of children and young people’s mental health. This year’s theme is Express Yourself and will be running during 1 to 7 Feb. This week is about finding ways to share feelings, thoughts and ideas through creativity. Finding a way for children to feel good about themselves. For more details of Children’s mental health week, click here.

    According to Place2Be around one in six children and young people have a diagnosable mental health problem, which may continue into adulthood. 50% of adults with lifetime mental health problems first experienced symptoms by the age of 14.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health. Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Growing up is not easy, and sometimes it’s hard for children to cope with what is going on in their life.

    Most children grow up mentally healthy, but surveys suggest that more children and young people have problems with their mental health today than 30 years ago. It’s suspected that this is probably because of changes in the way we live now and how that affects the experience of growing up.

    Some of the mental health problems that can affect children and young people are:

    • Depression is more common in teenagers than younger children, but affects more young people today than it did a few decades ago.
    • Self-harm is where somebody intentionally damages or injures themselves. It is a common problem amongst young people.
    • Anxiety can be triggered when changes happen in children’s lives, for example, changing schools. If anxious thoughts affect a child’s every day thoughts and behaviour, they may need professional help.
    • Eating disorders is when you have an unhealthy attitude to food, types include anorexia nervosa or bulimia nervosa. The condition is most common in young women aged between 13 and 17.
    • Attention deficit hyperactivity disorder (ADHD) is a condition that affects your behaviour and those with it tend to be restless and struggle to concentrate.
    • Post-traumatic stress disorder (PTSD) is a disorder caused by an extremely frightening or stressful event or situation, for example, physical abuse, witnessing or being the victim of violence or extreme bullying.

    Things that can help keep children and young people stay mentally well include:

    • being in good physical health, eating a balanced diet and getting regular exercise
    • having time and the freedom to play, indoors and outdoors
    • being part of a family that gets along well most of the time
    • going to a school that looks after the wellbeing of all its pupils
    • taking part in local activities for young people
    • feeling loved, trusted, understood, valued and safe
    • being able to enjoy themselves
    • being able to learn and having opportunities to succeed
    • accepting who they are and recognising what they are good at
    • having a sense of belonging in their family, school and community
    • feeling they have some control over their own life
    • having the strength to cope when something goes wrong and the ability to solve problems

    How to help your child

    As a parent you can help your child by having an open relationship, which encourages your child to talk to you if they are troubled. Listening and taking their feelings seriously is the most important way you can help. They may just want you to listen or to have a hug, or they may want more practical help.

    If you child’s negative feelings don’t pass over time, you may want to consider obtaining some professional help, initially talk to you GP and see what they suggest. It’s also a good idea to talk to your child’s teacher at school, to establish if how they are feeling is affecting their school work or friendships. They may have a school counsellor that your child can talk to. Different professionals often work together in Child and Adolescent Mental Health Services (CAMHS) run through the NHS.

    During the Coronavirus Pandemic children and young people need more emotional support than ever.

    It’s important to minimize the negative impact the pandemic is having on your children. You can do this by explaining the facts to them, answering their questions truthfully and being there to support them.

    Like adults, children will respond to the current situation in different was, such as being more clingy, anxious, withdrawn, angry or agitated. Remember to listen to your children and re-assure them. Keep routines where possible or create new ones, building in time for learning, play and relaxation.

    The best way to communicate to your children is by talking about worrying news with open, confident, clear and truthful facts. Here are some helpful tips:

    • News – the important thing about seeing or hearing the news is balance. Don’t force children news or shield them from it. Discourage overexposure, small doses of real life news are helpful, whereas large doses may have a negative impact on children.
    • Questions – answer you children’s questions truthfully and let them know the facts about the situation. It is common for children to have misunderstandings about traumatic events so encourage them to ask lots of questions, so you can correct any confusion. If you don’t know the answer to a question they ask you, explain this to them and then find out the answer and let them know.
    • Support – make sure you are there to support your children and let them know they are safe and loved.
    • Worry – let them know that it is normal to be concerned. Let them know that bad things can happen, but they don’t happen very often, so they do not need to be scared.
    • Time – ensure you find the right time to talk about what is worrying your child. If your child starts asking questions at an inconvenient time explain to them that you would like to talk to them about it later and invite them to remind you, so they know you really are interested.
    • Repetition – remember that children tend to repeat themselves when they are feeling uncertain or worried. They may need to ask the same question a number of times until they are feeling more reassured.
    • Truthful – be as truthful as possible. It can be tempting, when children ask a direct or tricky question, to avoid it by bending the truth. This can be unhelpful when they are talking to others about what happened. It is often more helpful to be as honest as possible.
    • Age appropriate – tailor the conversation to their age. All children have different temperaments and sensitivities. Their ability to understand the world, take in and react to bad news will depend on their age. If you have more than one child, you might want to talk about the news with them individually and tailor what you say to their needs and level.

    At the end of each day talk about the things in the day that you have been grateful for, it will very quickly become a habit and help children to find the positive, no matter how small, in even the worst of days.

    Organisations that can help


    Useful links:

    Want to learn more? Access our wellbeing hub here.

    Joanne Palmer

  • Police Mutual’s IFA and Mortgage Advice Service Businesses Transfer to Tenet

    Police Mutual’s IFA and Mortgage Advice Service Businesses Transfer to Tenet

    This article was published on Fri 18 Dec 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    We are pleased to announce that we have today completed the transfer of Police Mutual’s IFA and mortgage advice services to Tenet – one of the UK’s largest financial adviser companies.

    Our IFA service has become part of Tenet & You, and our mortgage advice business has become part of Tenet Mortgage Solutions Ltd, both financial advice businesses within Tenet.

    The transfer was subject to consultation, and in respect of our IFA business, required clients representing at least 80% of the IFA business’ annual renewal income to sign new Client Agreements with Tenet. We are delighted to confirm that this threshold has been exceeded.

    Why is the transfer positive news?

    As part of Police Mutual’s transfer into Royal London Mutual Insurance Society Limited, there was a strategic review of the services provided by Police Mutual, including the Independent Financial Advice (IFA) and mortgage advice services.

    We believe that the advice, service and support provided by our IFA and mortgage advice teams is important and highly valued by customers. To ensure the on-going provision of the IFA and mortgage advice services, while also aligning to Royal London’s business model, we have transferred these services to Tenet.

    Our IFA and mortgage businesses’ colleagues have all transferred to Tenet under TUPE (Transfer of Undertakings (Protection of Employment) Regulations).

    What does this mean for IFA and mortgage advice service customers?

    • IFA customers who agreed to transfer will continue to be provided with the trusted, specialist advice they expect. Their adviser will remain the same now the deal has completed. Obviously, going forward, as with any business, as Tenet develops the business, the structure of how it provides services to customers may evolve
    • Tenet & You also has access to investment models and systems which may result in reduced investment portfolio and platform charges
    • For mortgages customers, now the deal has completed their adviser will remain the same – continuing to provide expert, tailored award-winning advice via the fee-free Mortgage Advice Service

    What does this mean for all other Police Mutual customers?

    • We are able to refer any Police Mutual customers to Tenet if they want IFA or mortgage advice in the future
    • We are now promoting Tenet’s propositions to our customers

    Why Tenet?

    Tenet has won multiple awards for the services it provides. Like ourselves, it believes in establishing and maintaining long term relationships to help customers throughout their financial journey. Tenet is owned by corporate shareholders Aegon UK Distribution Holdings Ltd, Aviva Life and Pensions and Aberdeen Standard Life PLC.

    We believe that Tenet is an excellent fit as its focus is on providing great service allied to value for money. It also shares similar, complementary values to Police Mutual, being focused on improving the lives of its customers, who are at the heart of all that it does.

    Want to learn more? Access our wellbeing hub here.

    Joanne Palmer

  • Here for You During These Difficult Times… (Updated)

    Here for You During These Difficult Times… (Updated)

    This article was published on Thu 17 Dec 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    During these unprecedented times, we understand you might be worried about how to contact us and keep in touch about your policies and plans.

    The majority of our colleagues are now working remotely. Because of this, we would ask that there are certain things you can do to help us provide you with the best service;

    • If you can, please switch from sending correspondence by post to emailing us. You can email us at administrationservices@pmas.co.uk for savings and investments or info@pmas.co.uk for insurance.
    • If you need to make payments, please do not send these in the form of a cheque. The easiest way to do this is over the phone by debit or credit card, or alternatively via bank transfer.
    • We will be sending our insurance renewal documentation by email rather than post. If we don’t have an email address we will contact you by telephone to obtain one. If you haven’t heard from us 21 days before your renewal date, please call us.
    • As we will be using email more frequently please remember to check your spam or junk folders more often, especially if you are expecting to receive renewal documents or other correspondence from us.

    Please contact us by telephone if you would like to talk to a member of our team about any of the points above. We will continue to do everything we can to support you and please keep checking our website for updates.

    Additionally, if you are experiencing difficulty making payments, we may have options available to help you. Please contact us on 01543 441630 or send us a message, if you’ve signed up to My Account. Alternatively, you can email us at administrationservices@pmas.co.uk for savings and investments or info@pmas.co.uk for insurance.

    Thank you from the team at Police Mutual.

    Joanne Palmer

  • Remembrance Day 2020

    Remembrance Day 2020

    This article was published on Thu 05 Nov 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Police Mutual will be standing with the rest of the UK to mark Remembrance Day and to show our thanks to those who risked, and continue to risk their lives for us.

    Annual Remembrance Sunday services, parades and events may be cancelled due to the coronavirus pandemic disappointing many people, but the key part of Remembrance is taking a moment to recognise those who have given their lives protecting this country.

    History of the Royal Legion:

    Formed on 15 May 1921, the British Legion has been supporting Service men and women, ex-serving personnel and their families. They bring together four national organisations of ex-Servicemen that had established themselves after the First World War:

    • The National Association of Discharged Sailors and Soldiers
    • The British National Federation of Discharged and Demobilized Sailors and Soldiers
    • The Comrades of The Great War
    • The Officers Association

    Remembrance honours those who serve to defend our democratic freedoms and way of life. We unite across faiths, cultures and backgrounds to remember the service and sacrifice of the Armed Forces community from Britain and the Commonwealth.

    In 2020, we pay tribute to all the men and women who served and sacrificed their lives and to those continuing to fight today, to defend our nation. We remember the cooperation of the Commonwealth and Allied nations who stood shoulder to shoulder, to secure our freedom and to bring communities together today, to protect us all.

    History of the poppy:

    Lieutenant Colonel John McCrae, who fought in WW1, shortly after losing a friend in Ypres 1915, wrote his now famous poem after being moved from seeing poppies growing through the battle-scarred fields.

    In Flanders’ Fields – John McCrae:

    In Flanders’ fields the poppies blow
    Between the crosses, row on row,
    That mark our place: and in the sky
    The larks, still bravely singing, fly
    Scarce heard amid the guns below.

    We are the dead. Short days ago
    We lived, felt dawn, saw sunset glow,
    Loved and were loved, and now we lie
    In Flanders’ fields.

    Take up our quarrel with the foe;
    To you from failing hands we throw
    The torch; be yours to hold it high.
    If ye break faith with us who die
    We shall not sleep, though poppies grow
    In Flanders fields.

    The poem inspired an American academic named Moina Michael to adopt the poppy in memory of those who had fallen in the war. She campaigned to get it adopted as an official symbol of Remembrance. The red poppy symbolises both Remembrance and also hope for a peaceful future – which we continue to do. 

    Joanne Palmer

  • Transfer of Police Mutual to Royal London Completes

    Transfer of Police Mutual to Royal London Completes

    This article was published on Thu 01 Oct 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Following regulatory approval, we are delighted to announce that we have today completed the transfer of the Police Mutual group of companies to The Royal London Mutual Insurance Society Limited (Royal London).

    The transfer was approved by the Prudential Regulation Authority on the basis that it is satisfied that it is in the interests of members, taking into account any concerns raised during the member and customer representation period.

    Here is a short welcome video from Jerry Toher, Chief Executive of the Consumer Division at Royal London:

    Why has Police Mutual transferred to Royal London?

    Becoming part of Royal London provides a sustainable future for Police Mutual as part of a larger, stronger business and preserves what our customers and the Police service value most about Police Mutual.

    Our mutuality is an important part of who we are.

    Like us, Royal London is a non-shareholder organisation, founded on strong ethics and values, where profits are reinvested to create financial and social returns for members, customers and the wider community.

    The transfer to Royal London provides a strong financial base for our business, along with a broader business mix and wider range of products for our customers.

    Royal London is committed to the Police Mutual and Forces Mutual brands.

    Why is this positive news?

    Today’s news will enable us to continue to serve, and improve the financial wellbeing of, our customers in the Police service for the long-term.

    Partnering with the UK’s largest mutual life, pensions and investment company provides the opportunity to create better customer offerings and allows improvements to service and propositions, as well as providing wider support for the Police family.

    We will continue to work with the Police service and broader Policing organisations to improve the financial wellbeing of serving and retired Police officers and staff and their families.

    There will be continued support for a financial education programme, as well as building on the good work of the Police Mutual Foundation, and sponsorship of key events. For example, Royal London is committed to extend our sponsorship of the various Police Bravery Awards for another five years.

    This is the start of an exciting new chapter in Police Mutual’s long, proud and evolving history.

    What does this mean for products?

    As a reminder, the terms of existing products do not change. There will be no change to the contractual benefits for any policyholders as a result of the transfer. This includes guaranteed benefits for with-profits policyholders.

    Naturally, over time and in the future, products and services will evolve and change to meet market needs.

    Today, 1 October, sees the official launch of the new Police Mutual ISA, which offers exciting benefits and features. Please click here for more information. Police Mutual has a proud heritage of providing regular savings products to enhance the financial wellbeing of customers, and with this new product, this will continue.

    Joanne Palmer

  • Financial Education Mini-Modules for our Volunteers

    Financial Education Mini-Modules for our Volunteers

    This article was published on Thu 01 Oct 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    The first round of on-line Financial Education mini-modules that we provided exclusively for our Force Authorised Officers (FAOs) and Authorised Officers (AOs), is now complete.

    We ran 16 events in total throughout August and September and these were well attended by FAOs and AOs from all over the UK.
    The event subjects were:

    • Wellbeing Services from Police Mutual
    • Effective Cash Management
    • Managing Debt and Credit Scores
    • Protection, Wills and Estate Planning

    We ran a short survey after each event and the comments were really encouraging and included:

    “Very helpful to know what services are available to signpost our members when future enquiries are received”

    “Immediately after the workshop I engaged our Wellbeing and Mental Health lead directly to tap into the resources and include in future planning”

    “Will share what Police Mutual can offer with my colleagues
    A really useful overview. “

    “The Health Assured app was new to me and again very useful Good to have an understanding of which debt to clear first “

    “Very good idea to keep us all informed and reminded of what is available to our members. A very informative 30 minutes well delivered by Faye”

    “It was great to meet you and put some faces to names. We hope to see you again soon as we will be running some of these modules again and we are also developing some new modules which should be ready soon.”

    Joanne Palmer

  • Pension Scams – What to Look Out For

    Pension Scams – What to Look Out For

    This article was published on Thu 01 Oct 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    There has been a rapid increase in different forms of financial scams over recent years. As people contribute to their pensions over many years, they will often have built up a considerable amount of money. Therefore, pensions are often targeted by scammers.

    If a person is targeted by a pension scam, they can find themselves losing their entire pension but also having to pay a large tax bill to HMRC. Since people now have more flexibility to withdraw their pensions as a lump sum instead of having to generate an income in retirement, it has become an easier target for scammers.

    There are different signs you should look out for to try to avoid falling victim to a pension scam. Scams can be hard to identify but here are a few indicators:

    Possible scam indicators:

    • You receive unexpected contact such as cold call. Scammers may also make initial contact with their victims via email, social media, post or word of mouth.
    • You are under pressure from the scammer to get the transfer done quickly and they may push you to invest there and then. They may use phrases like ‘there is only a limited time’.
    • You may be subject to further pressure by them offering to send a courier to get the documents signed, this is not something a regulated financial adviser would do.
    • The return they promise you seems unrealistic (if it seems too good to be true then unfortunately it probably is).
    • They may try to build a friendship with you or become overly friendly and use flattery.
    • They may use phrases such as you can take advantage of a loophole or they promise you cashback or access before 55 with no mention of tax.
    • You may be offered a transfer to an overseas account, having an investment based overseas works well for scammers as it is more difficult for would-be investors to prove that it exists.

    You will usually be offered a transfer to a single investment. Any regulated financial adviser is not likely to do this as having only one investment can expose the investor to unnecessary risk if the one fund performs badly, they can lose all their money. More commonly an individual’s investment will be invested across several types of investments to spread the risk and holds the best chance at a better return.

    Here are some useful websites which you can use to find further information on pension scams:

    https://www.thepensionsregulator.gov.uk/en/pension-scams

    https://www.moneyadviceservice.org.uk/en/articles/how-to-spot-a-pension-scam

    https://www.pensionwise.gov.uk/en/scams

    https://www.actionfraud.police.uk/a-z-of-fraud/pension-scams


    Who to report a pension scam to:

    Scams should be reported to Action Fraud: https://www.actionfraud.police.uk/ Tel: 0300 123 2040

    Want to learn more? Access our wellbeing hub here.

    Joanne Palmer

  • Virtual Pre Retirement Courses

    Virtual Pre Retirement Courses

    This article was published on Thu 03 Sep 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Retirement is something that you don’t need to prepare for on your own. We’re here to help you every step of the way – before, during and even after you retire.

    In addition to our face to face offering we are also inviting you to join one of our virtual pre-retirement courses, which we hope means that you can join us safely to talk about the next steps in your journey.

    Here are our new virtual pre retirement course dates

    (All the virtual classrooms are from 09:00 to 12:30)

    11 September 2020
    Enquire now

    24 September 2020
    Enquire now

    9 October 2020
    Enquire now

    28 October 2020
    Enquire now

    13 November 2020
    Enquire now

    26 November 2020
    Enquire now

    9 December 2020
    Enquire now

    16 December 2020
    Enquire now

    5 January 2021
    Enquire now

    Joanne Palmer

  • Introducing Our New Police Mutual ISA

    Introducing Our New Police Mutual ISA

    This article was published on Mon 17 Aug 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Earlier this month we wrote to you to request your involvement in some customer research about a new product we are launching soon. Thank you to everyone who participated; working with you has given us really good insight.

    The context

    Confidentially, we are planning to replace our Regular Savings Plan (RSP) and the Options ISA (OISA) with a new ISA product: the Police Mutual ISA, which offers exciting benefits and features.

    To be clear, existing RSP and Options ISA policies are not affected by these product changes. The guarantee on existing RSP policies and the Options ISA protected growth option will remain in place. We will manage these policies until the end of their terms or until the customer closes the product.

    Why are we making these changes?

    We have seen a proportion of customers surrendering their RSPs before the maturity date, and a lower take-up of RSPs from new recruits, compared to previous years. This suggests a new product would be beneficial, which is why we are launching the Police Mutual ISA. In addition, due to the tax benefits they provide, ISAs are one of the most common ways of saving in the UK. However, the Police Mutual ISA will not provide (or charge for) guarantees.

    As you know, we have a proud heritage of providing regular savings products to enhance the financial wellbeing of our customers and with our flagship new product, we will continue to do this.

    Customer needs have evolved over the years, as has the market, and we want to modernise and create what we hope will be a more contemporary proposition.

    When are the changes happening?

    We continued to promote the RSP and Options ISA while we developed the launch plan for the new Police Mutual ISA. We stopped accepting new Options ISA applications on 17 August. Options ISA applications in the pipeline will continue to be processed and policies will be issued up to and including 30 September. We will stop promoting the RSP and accepting applications via face to face, outbound telephone and paper channels at the end of August. We will stop accepting applications via web and inbound telephone on 14 September, and will stop issuing new RSP policies at the end of September.

    We will start to promote the Police Mutual ISA from early September, and formally launch it on 1st October.

    Introducing our new Police Mutual ISA

    • Our Police Mutual ISA will be the way you save with Police Mutual
    • It will bring lots of exciting benefits and features:
      • Just like the Regular Savings Plan, the Police Mutual ISA helps you save money for your future
      • In the current tax year, you can save up to £20,000 in your Police Mutual ISA – either by saving regularly, or by making lump sum investments, or both
      • If you want to save regularly, you can set up a Direct Debit for as little as £30 a month, the equivalent of just £1 a day. Once you’ve set it up, you can forget it, knowing that each month you’re topping up your ISA and investing in your future
      • Making lump sum investments is easy too. You can start saving with a lump sum of just £100, then choose how often you top up your ISA
      • There’s also the option to do both: save regularly and top up with a lump sum
      • You can add money and start, change or stop a monthly amount at any time
      • The Police Mutual ISA is a stocks and shares ISA, which makes it a good choice if you’re looking to save for at least five years, but there’s no fixed term
      • You can withdraw some or all of your money at any time (subject to a minimum withdrawal of £50), without charge, and there is no tax to pay if you do. Following a withdrawal, a minimum amount of £100 must be left in your Police Mutual ISA
      • In the unfortunate event that you die, if you have a Police Mutual ISA we’ll pay a lump sum of 101% of the current value of your ISA, normally to your estate
      • We will be offering an incentive of a £25 gift voucher for each new Police Mutual ISA taken out
    • Other points to consider:
      • The minimum regular savings premium for the Police Mutual ISA will be £30 per month, which is very slightly lower than the RSP (£30.33) and lower than the Options ISA (£40)
      • The Police Mutual ISA will enable customers to save regularly via Direct Debit. There will be no option to save via salary deduction in the short term, as the product will be built on an existing system that does not support this option currently. We do recognise that paying by salary deduction is important to our customers and will look to offer this in the future
      • The Police Mutual ISA doesn’t provide a guaranteed minimum pay-out like the Regular Savings Plan did, although this also means Police Mutual ISA policyholders do not have to pay for that guarantee. This makes the product cheaper and means our charges won’t erode investment returns as much as they do for the Regular Savings Plan. Ultimately, that means the policyholder should get better returns, subject to fund performance
      • Any growth in the value of your Police Mutual ISA is dependent on the performance of the fund that your money is invested in. This means its value can go down as well as up and, as with any investment, there is a chance you will get back less than you originally invested

    The launch

    As well as your feedback, we also surveyed the Committee of Management, our Relationship Managers and Financial Wellbeing Consultants as part of our research. Thank you again to those of you who have been involved in the research process – your input is invaluable.

    As mentioned, we will begin promoting our new ISA to customers and prospective customers from early September, when it will be available for customers to register interest. The product goes live on 1st October, which is when the first policies will be written.

    All of our products constantly evolve, and this change is another example of this evolution. Throughout our long history, we’ve looked for new ways to refine the products we offer – to ensure we’re always offering good value. This new way to save regularly will continue that tradition.

    Joanne Palmer