Skip to a specific insurer by clicking one of the links below:

• Aegon Scottish Equitable
• Axa
• Bright Grey
• Bupa
• Friends Provident
• Legal & General
• Liverpool Victoria
• Norwich Union
• Prudential
• Royal Liver
• Scottish Provident
• Unum

Aegon Scottish Equitable

We’re one of the UK’s leading providers of pensions, protection, investments and annuities.

Our history goes back to 1831 when Scottish Equitable was founded, giving us over 175 years’ experience in the UK market. In 1994, we joined the AEGON Group, one of the world’s largest listed insurance companies.

We’re now an integral part of AEGON’s family of businesses in the UK, which cover life and pensions, asset management and advice. And we share a common vision to build the best long-term savings and protection business in the UK.

Being part of AEGON is important—it means we’re financially strong and stable (we’re rated AA by Standard & Poor’s) and we can draw on the knowledge and experience of colleagues around the world to benefit you locally.

Axa Insurance

All over the world millions of individuals and businesses trust AXA to manage their financial assets and protect their property.

Axa has:

• 52m clients world wide (individuals and businesses) as at 31st December 2006
• £883bn billion worth of assets under management as at 31st December 2006¹
• is ranked the 15th largest company in the world by revenue²
• AXA Sun Life plc is rated AA/Stable by Standard & Poors as at 16.05.2007 (www.standardandpoors.com)
• is rated Aa3 Stable by Moodys as at 16.05.2007 (www.moodys.com)

Our previous company performance is not a guide to how we will perform in the future.

Please note that AXA product provider companies have no automatic right of access to group assets.

Why AXA Protection Account?

The AXA Protection Account is one of the most comprehensive menu-based protection propositions available in the UK for both personal and business use.

From Life, Critical Illness and Income Protection cover, to ASU and Buildings and Contents insurance, the AXA Protection Account offers an extensive range of high quality covers in one flexible account.

Bright Grey

Founded in September 2001 and launched in March 2003, Bright Grey currently employs around 350 people and is based in Edinburgh.

We may be a young, modern, protection provider but we are backed by the Royal London Group, the UK's largest mutual life and pensions company. Royal London has been around since 1861, has over 3 million customers and employs 2,610 people.

Royal London has the financial strength to reassure all of its stakeholders that it will be around for a long time to come.

Bupa

BUPA is an international health and care company with bases on three continents and more than seven million customers.

As a provident association, BUPA does not have shareholders and reinvests its surpluses into improved health and care facilities such as medical equipment, the latest technology and buildings.

BUPA’s protection term insurance cover is provided by BUPA Health Assurance Ltd.

Health Insurance

BUPA's biggest and original business is health insurance in the UK, both for individuals and corporations that want to look after the health of their employees. More than half of the UK's top companies are BUPA customers.

Friends Provident

Friends Provident is a leading provider of life insurance and pensions products in the UK and a member of the FTSE-100 Index. Founded by Quakers in 1832 to address social needs, FRIENDS® has renowned ethical heritage. We pride ourselves on delivering award-winning service to our customers, both new and existing.

The UK Life Insurance and Pensions business markets a comprehensive range of affordable life insurance, pensions and investment products for individual customers and corporate clients throughout the UK.

Legal & General

Legal & General makes financial security easier to achieve for millions of people. To many retired people, the pension fund they have built up over the years is what they now depend on.

To people of working age, the savings they make into ISAs, unit trusts and pension funds are a vital source of reassurance today and financial security in the future. At every stage of life, people seek financial security and protection for themselves, their loved ones and their possessions.

Through our range of general insurance and protection products we help protect the lives, the health, the homes and the belongings of millions of people.

Did You Know?

• The Legal & General Group, established in 1836, is one of the UK’s leading financial services companies.
• We are one of the UK’s top 50 companies in the FTSE-100 Index.
• Over 5.75 million people rely on us for life assurance, pensions, investments and general insurance plans.
• The Legal & General Group is responsible for investing over £257 billion worldwide (as at 30 June 2007) on behalf of investors, policyholders and institutions.
• Legal & General is one of the biggest providers of index-tracking investments in the UK, managing over £179 billion as at 30 June 2007.
• We have operations in the USA, France, the Netherlands and Germany, as well as the UK.

Financial Security

Many savings, life assurance, mortgage repayment and pension plans last for 20 years or more. With such long-term financial commitments, it is vital that you invest with a company that will still be going strong when your policy matures.

Legal & General Assurance Society Limited is one of the UK's top rated companies for financial strength. Three of the world's leading independent rating agencies: Standard & Poor's, Moody's and A.M.Best have recognised this.

Liverpool Victoria

Liverpool Victoria Friendly Society Limited was founded in 1843. It is incorporated under the provisions of the Friendly Societies Act 1992.

The Society does not have any shareholders and, as a mutual organisation, exists wholly for the benefit of its members. Together with its subsidiary companies, the Society is an insurance and financial services business in the United Kingdom.

We are the UK's largest Friendly Society (Association of Friendly Societies Yearbook 2006/2007. Total Net Assets). At present the Liverpool Victoria group of companies manages more than £8 billion on behalf of its members and customers.

The prudent management of our members' money has always been and will continue to be of utmost importance to us.

The Society believes that remaining mutual has a vital part to play in its ability to continue to provide members with a better future.

As a member, you will be entitled to attend the Society's formal meetings and vote on Society matters when you have held your membership-conferring product for a continuous period of twelve months. Full membership terms and conditions available on request.

Being a 21st century friendly society means we offer a broad range of products and services including; savings, investments, life insurance, home and motor insurance, credit cards and financial advice. This breadth ensures we are ideally placed to meet our members' needs.

Norwich Union

Norwich Union is an Aviva company. Aviva is the world's fifth-largest insurance group and the largest insurance services provider in the UK. We are the leading provider of life and pension products in Europe and are actively growing our long-term savings businesses in Asian markets, Australia and the USA. Our main activities are long-term savings, fund management and general insurance†. We have premium income and investment sales of £41.5 billion and £364 billion of assets under management. We have 59,000 employees serving over 40 million customers.

Together with over 40 million customers worldwide you can feel certain of your choice with Aviva, whether you invest for the future, guard against the unexpected, or protect the things that are important to you.

Prudential

Established in 1848, today Prudential plc is an international financial services company with a product range which extends from personal banking, insurance, pensions and retail investments, to institutional fund management and property investments.

In the UK Prudential is a leading life and pensions provider with around seven million customers.

M&G was acquired by Prudential in 1999 and is the Group's UK and European fund manager, responsible for managing over £164 billion (as at 31 December 2006).

In Asia, Prudential is the leading European life insurer with life and fund management operations in 12 countries serving some seven million customers.

In the US, Prudential owns Jackson National Life, a leading life insurance company, and has more than three million policies and contracts in force.

Royal Liver

At Royal Liver we believe in making financial provision easier for everyone and that's our focus and our vision.

Established for the mutual benefit and financial security of local families back in 1850, we have continued to thrive ever since. Today, over 150 years later, we still provide financial advice and a first class service to thousands of families in the UK and Ireland, all in the comfort of their own homes.

Over the years we have developed a reputation for reliability, trustworthiness, competence and care. We still have no shareholders. As a friendly Society, we exist for the benefit of our members and we now manage over 5 million policies.

Scottish Provident

Scottish Provident is the brand name for Scottish Mutual Assurance Limited's protection and healthcare products. Scottish Provident Limited and Scottish Mutual Assurance Limited are owned by Resolutions plc.

Resolution plc was formed in September 2005 from the merger of Resolution Life Group Limited and Britannic Group plc.

Resolution plc is the largest specialist manager of in-force UK life funds with an estimated 7 million customers and combined life company invested assets of over £61 billion. Some of the principal life companies owned by Resolution plc include:

• Phoenix & London Assurance Limited
• Phoenix Life Limited
• Phoenix Life Assurance Limited
• Scottish Mutual Assurance Limited
• Scottish Mutual International Limited
• Scottish Provident International Life Assurance Limited
• Scottish Provident Limited

As well as providing shared services across the Group, Resolution Management Services provides administration services to policyholders on behalf of the Resolution plc life companies and has the ability to offer cost effective, efficient policy administration services to companies that wish to exit or outsource the administration of life and pensions business.

Resolution Asset Management has around £57 billion assets under management for a combination of life company and third party investors. It provides pension fund management on a pooled and segregated basis and distributes a range of offshore products and onshore unit trusts mainly through intermediary channels. It has developed a unique joint venture investment boutique strategy, which bolsters its product range with differentiated offerings.

In total the group employs around 1,700 staff with a London Head Office and divisional offices in Wythall, Reading, Glasgow, Dublin and the Isle of Man.

Unum

Unum is the UK's leading provider of income protection insurance, protecting over 2.3 million lives through individual and company schemes.

Unum is a company of people serving people. As one of the world's leading employee benefits providers, Unum helps protect more than 25 million working people and their families in the event of illness or injury.

Through its businesses, Unum Group is the leader§ in income protection. The company's subsidiaries offer comprehensive insurance solutions to help protect against the financial effects of accident, illness or death.

¹ Exchange rate: €1 = £0.672
² Fortune Global 500, July 2007 (www.fortune.com)
† Typically includes motor, household, creditor, health, commercial motor, commercial property and commercial liability insurance.
§ Unum represents multiple insuring subsidiaries of Unum Group, including the #1 group and individual income protection carriers in the U.S., according to the JHA 2004 U.S. Group and Individual Disability In-Force Surveys, 2005.