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Royal Liver Assurance – Progress

Type: Menu based protection plan providing income protection and term assurance with optional critical illness and unemployment cover

INCOME PROTECTION

Minimum benefit/minimum premium:
None/£7.50 a month, £75 a year

Minimum-maximum ages:
16-59, 18-59 for unemployment cover

Deferred period:
Choice of 4, 8, 13, 26 or 52 weeks

Definition of disability:
Own occupation

Options:
Guaranteed premium rates, reviewable premium rates after five years, accelerated critical illness cover, unemployment cover, carer&#39s benefit, inflation protection

TERM ASSURANCE

Minimum sum assured/minimum premium:
None/£7.50 a month, £75 a year

Minimum-maximum term:
Five-40 years

Options:
Level or decreasing cover, accelerated critical illness cover,
waiver of premium, inflation protection

Deferred period:
Choice of 4, 8, 13, 26 or 52 weeks

Charges:
£2.50 a month or
£25 a year policy fee

Commission: I
nitial 130%-170% of Lautro rates,
renewal 2.5%

Contact: www.ifa.royal-liver.com

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Fidelity Investments – Fidelity Funds China Focus Fund

Type: Sicav Aim: Growth by investing in companies in mainland China and Hong Kong Minimum investment: Lump sum £1,000, monthly £50 Investment split: 100% in mainland China and Hong Kong Place of registration: Luxemburg Charges: Initial 3.5%,annual 1.5% Commission: Initial 3%, renewal 0.5% Tel: 0800 414124

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