The information in this Product Guide was current as at April 2004.
Anyone relying on this information in a downloaded format should check on the Prudential extranet site, www.pruadviser.co.uk, or with the relevant Prudential company (see below) that this is the most current version and that no revisions have been made to the Product Guide since the date shown above.
The Product Guide focuses on current standard versions of Prudential contracts. Outline information on selected historic products is also provided.
Full written terms and conditions of all products mentioned are available on request.
Past Performance is no guide to the future. The value of an investment, any income from it and the level of distributions may fluctuate and are therefore not guaranteed.
If money invested in a With-Profits Fund is taken out at any time, including (where permitted) to switch to another With-Profits Fund, the amount paid out may be reduced to reflect the current market value of the underlying assets. This is known as a Market Value Reduction. This will not apply;
- on a death claim,
- on a maturity claim (capital redemption option only),
- to meet certain regular withdrawals.
Terminal (Final) Bonus may vary or be removed at any time and is therefore not guaranteed.
Charges may vary in the future.
The word "income" appears in inverted commas in various webpages and documents. This is because the regular payments available from our bonds can be used as income for all practical purposes but may not be treated as such by the Inland Revenue for tax purposes.
Information in this Product Guide is based on Prudential's current understanding of taxation, legislation, and Inland Revenue practice, all of which may change without notice. Any tax reliefs referred to are those currently available and the value of tax reliefs depends on individual circumstances.
The Registered Office of Prudential is in England at 142 Holborn Bars, London, EC1N 2NH. Registered number 15454. With effect from 1 December 2005 the Registered Office will change to Laurence Pountney Hill, London EC4R 0HH. Prudential is a trading name of The Prudential Assurance Company Limited, of Prudential Annuities Limited and of Prudential Retirement Income Limited. This name is also used by other companies within the Prudential marketing group, which between them provide life assurance, pensions, savings and investment products.
Member of the Association of British Insurers. Authorised and regulated by the Financial Services Authority.
The registered office of Prudential International is in Ireland at Montague House, Adelaide Road, Dublin 2. Prudential International is a marketing name of Prudential International Assurance plc. Registration No. 209956. Telephone number 00 353 1 476 5000.Prudential International provides life assurance, savings and investment products. If the Company should become unable to meet its liabilities, the Financial Services Compensation Scheme will protect the holder of a policy who is habitually UK resident when their contract starts. This applies to contracts starting after 30 November 2001. The Financial Services Compensation Scheme will not protect holders of policies issued by the Company before this date. Authorised by the Irish Financial Services Regulatory Authority and regulated by the Financial Services Authority for UK business.
The Registered Office of Scottish Amicable ISA Managers Ltd is in Scotland at Craigforth, Stirling FK9 4UE. Tel. No. 01786 448844. Registration No. 117431. Scottish Amicable ISA Managers Ltd provide savings and investment products. Authorised and regulated by the Financial Services Authority.
The Registered Office of Scottish Amicable Unit Trust Managers Ltd is in Scotland at Craigforth, Stirling FK9 4UE. Tel. No. 01786 448844. Registration No. 106647. Scottish Amicable Unit Trust Managers Ltd provide savings and investment products. Authorised and regulated by the Financial Services Authority.