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Legal & General – Protected Index Plan 2

Tuesday, 18 March 2003

Type: Guaranteed equity bond

Aim: Growth linked to the performance of the FTSE 100 index

Minimum-maximum investment: £1,000-no maximum, £7,000 Isa

Term: Five years six months

Guarantee: Capital returned in full regardless of the performance in the index

Return: 100% of any growth up to 55%

Closing date: April 25, 2003

Commission: Initial 3%

Tel: 020 7528 6773


More Than – Guaranteed Growth Bond Issue 6

Friday, 14 March 2003 Type: Guaranteed growth bond Minimum-maximum investment: £5,000-£250,000 Term: Six years Interest rate: £5,000 – £10,000 5% gross a year, £10,001 and above 6% gross a year Charges: None Return: 5% or 6% gross a year on half of the amount invested at the end of year one, plus 50% of the […]

Open and shut case

Change is the word perhaps most often applied to the life and pension industry nowadays. For years, everything was the same. Now it is not.New business volumes are, at best, static and the market is oversupplied and the seemingly never-ending equity slide is dramatically affecting economics.With challenges to product design and pricing and the polarisation […]

Critical moment

The dust hasn&#39t settled over recent guaranteed premium increases and changes to definitions but product providers are warning intermediaries that there are still substantial changes to be made if the health of critical-illness products is to be ensured.Most providers believe reviewable premiums will become more popular as guaranteed rates cover risk inadequately.Price has become a […]


“Yes. The costs of both are too high anyway and for most small IFAs it will be another nail in the coffin.”Geoffrey Hunt, Rickard Hunt & Co“No. I don&#39t do mortgages or general insurance anyway but this will not change my views.”Alan Flint, Alan Flint Insurance & Investment Consultant“No, because most of the mortgages I […]


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