As we have with-profits policies, we publish WPOP documents that show you just how our with-profits funds are managed.

The with-profits policies we hold were transferred from The Royal London Mutual Insurance Society Limited (Royal London) on 7 February 2019. Some of Royal London’s documentation, such as the Royal London Principles and Practices of Financial Management (PPFMs), continue to be relevant for our policyholders. This is explained in the WPOP documents. Some documents produced by Royal London are therefore included on this page.

The WPOP documents were previously referred to as PPFM Guides. We have renamed them to be WPOP documents because of regulations in Ireland. There have been no material changes to the PPFM Guides previously published on our website.