STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

Principles and Practices of Financial Management

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Principles and Practices of Financial Management (PPFM)

Our PPFM was last changed on 1st January 2024, we have produced a Summary of Changes document you can download that outlines the changes that were made. The PPFM sets out the detail of how we manage our With-Profits funds. 

We have also produced an appendix to the PPFM. This contains additional useful information about our With-Profits business.

You can download the Principles and Practices of Financial Management (PPFM) [PDF: 290KB] and Principles and Practices of Financial Management (PPFM) Appendix [PDF: 210KB].

To ensure fairness, the NFU Mutual Board set up a With-Profits Committee to advise them on the management of the with-profits business, ensure compliance with the PPFM and look after the rights, interests and expectations of different with-profits policyholders.

Unitised With-Profits

We call a With-Profits policy unitised when your investment buys units in the With-Profits Fund. If you want to invest in a new unitised With-Profits policy or you have one of the following NFU Mutual policies, you should read Your Guide to Our Funds [PDF: 364KB].

  • Flexibond
  • Shrewd Savings Plan ISA
  • Personal Pension Account
  • Additional Voluntary Contributions Plan
  • Group Personal Pension Plan

If you have one of the following NFU Mutual policies, which are unitised With-Profits but no longer open to new business, and require further information please contact us on 0800 622 323.

  • Capital Access Bond
  • Personal Pension Plan
  • Executive Pension Plan
  • With-Profits Personal Pension Plan
  • Capital Investment Bond
  • NFU Mutual Vintage Bond

Conventional With-Profits

If you have a Conventional With-Profits contract, you should read A guide to Conventional With-Profits [PDF: 143KB]. We call a With-Profits policy conventional when we guarantee to pay out an agreed amount when the policy matures. This could be a lump sum (the sum assured) or a series of payments (an annuity or pension). NFU Mutual Conventional With-Profits policies include:

  • Endowments (a regular savings contract that promises to pay a minimum amount at the maturity date), including minimum cost endowments
  • Whole of life policies (a regular premium policy that promises to pay out a minimum amount on death), including low cost whole of life policies
  • Any other With-Profits policy taken out before 1st July 1988

With-Profits Annuity

If you have a With-Profits Annuity contract you should read A guide to the With-Profits Annuity [PDF: 85KB].