Principles and Practices of Financial Management

We’ve produced documents to let you know our principles of how we manage our with profits policies. They also explain:

• how we put our principles into practice;
• how we invest your money in our with profits policies; and
• how we add assets to your policy.

We’ve three Principles and Practices of Financial Management (PPFM) that cover different types of business. To view the PPFM that relates to your policy documentation please select the correct link below.

To read the literature you need to have Adobe Reader installed on your computer. If you don't already have it you can download it for free from the Adobe Reader website.

We’ve also produced Customer Friendly Summaries of the above PPFMs, which customers should have received. You can read your Customer Friendly Summary by following this link.

If you’ve any questions then you can call our Life Helpdesk on 0845 741 3002, our Pensions Helpdesk on 0845 270 1075 or e-mail us by following this link.

If you wish to contact us by email please remember that this will be unencrypted.  This means the email could be intercepted and read by unauthorised third parties. We recommend that you do not send any financial, confidential or sensitive information by email.

Annual Reports

Every year, normally in June, we produce annual reports for our with profits policyholders. They inform you:

• how we managed our with profits business during the last year, in line with our PPFM;
• what we’ve done to make sure we treat you fairly; and
• a statement from our With Profits Actuary explaining how this fund has been managed.

If you would like to read our most recent reports, please click on the links below.

To read the literature you need to have Adobe Reader installed on your computer. If you don't already have it you can download it for free from the Adobe Reader website.

  Scottish Mutual With Profits Sub-Fund Report – 1 January 2007 to 31 December 2007
  Scottish Mutual Triple Bonus Funds Report – 1 January 2007 to 31 December 2007
  Scottish Mutual Smoothed Investment Funds Report – 1 January 2007 to 31 December 2007

Protect yourself against financial crime

We have produced a guide to help protect you against identity theft, fraud and money laundering. Follow this link to see this guide.

If you would like to speak to someone about the information given in this page, you can call our Life Helpdesk on 0845 741 3002, our Pensions Helpdesk on 0845 270 1075 or e-mail us by following this link. Alternatively, if you have a Financial Adviser they should be happy to advise on any queries you may have.

If you wish to contact us by email please remember that this will be unencrypted.  This means the email could be intercepted and read by unauthorised third parties. We recommend that you do not send any financial, confidential or sensitive information by email.

Scottish Mutual Assurance Limited is registered in Scotland No. SC133846. Registered Office: 301 St Vincent Street, Glasgow G2 5HN. Scottish Mutual Investment Managers Limited is registered in Scotland No. SC88674. Registered Office: Resolution House, 50 Bothwell Street, Glasgow G2 6HR. Scottish Mutual PEP and ISA Managers Limited is registered in England No. 971504. Registered Office: 1 Wythall Green Way, Wythall, Birmingham B47 6WG. All companies are authorised and regulated by the Financial Services Authority.