Selectapension Ltd is a completely unbiased and independent service provider.

Pension Providers are welcome to supply a brief company statement.
The following have done so.  

AEstakeholder pensions,
self-invested personal pensions, group pensions and company pension schemes), protection (for example
life cover and critical illness cover) and savings (for example investment bonds).

The AEGON Group's major markets are the USA, the Netherlands and the UK.
The group is also present in Canada, China, the Czech Republic, Hungary, Poland, Slovakia, Spain and
Taiwan. In the UK, AEGON owns life and pensions, asset management and advice businesses.
So our customers benefit from AEGON's strength and global perspective, and from AEGON Scottish
Equitable's deep knowledge of the UK long-term savings, investment and protection markets.

Financial information
As part of the AEGON Group, we benefit from the financial strength of one of the largest life insurance
and pensions companies in the world. As well as 27,000 employees and 25 million customers worldwide,
the AEGON Group has assets under administration of around £240 billion (this includes all revenue-
generating investments). Our financial strength, widely acknowledged by independent analysts, provides
an extra layer of security for our customers.

AEGON in the UK is becoming an increasingly significant part of the AEGON Group. In the first half of
2006, over a quarter of the AEGON Group's sales came from AEGON in the UK and 22% of the value added
by new business is provided by AEGON in the UK.

GON Scottish Equitable, part of the AEGON Group, has been around for over 175 years.
Our main areas of business are pensions (for example personal pensions,

                                                                    
                              

"AIG Life is the UK IFA division of American Life Insurance Company (ALICO), a fully owned subsidiary
of American International Group, Inc. (AIG), one of the largest international insurance and financial
services organisations in the world.  Both AIG and ALICO have been awarded the highest possible ratings
for insurer financial strength from the leading credit ratings agencies.

Founded in 1919, AIG now operates in over 130 countries and jurisdictions throughout the world, serving
some 50 million customers.  AIG has a presence in every major market in the world, with over $678 billion
in assets and a market capitalisation of $87 billion. As one of the world's most innovative companies, AIG
is well positioned to capitalise on opportunities on behalf of its customers throughout the global marketplace.

As one of the UK's leading providers of high quality, innovative and flexible investment solutions, AIG Life
aims to provide investors with a comprehensive choice of investment funds and options to meet
their investment needs both today and in the future.  Our products are designed to offer maximum choice
to suit different types of risk-minded investor, with the flexibility to adapt portfolios as market conditions
and personal circumstances change."

 

Aviva is the world's fifth-largest* insurance group and one of the largest insurance service providers in the
UK.
We are one of the leading providers 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 £51.46 billion ** and £381 billion# of funds under managment. We have 54,000 employees~ serving
50 million customers in 27 countries around the world.

Aviva operating brands include: Aviva Life & Pensions UK Ltd, Aviva Health UK Ltd, Aviva Equity Release UK
Ltd & Aviva Life International Ltd. We offer the widest range of propositions in the UK market with over
50 products covering pensions, savings and investment, life assurance, healthcare insurance and unit
trusts. Customers are offered innovation, outstanding value, a strong investment track record and
competitive bonus rates.

* based on gross worldwide premiums for the year ended 31 December 2008
** for the year ended 31 December 2008
# as at 31 December 2008
~ total number of staff employed as at 31 December 2008

                              

 

AXA Wealth

Winterthur Way, Basingstoke, Hampshire, RG21 6SZ

Telephone number: 01256 470707.

Website: www.axawealth.co.uk

 

AXA Wealth is a new model wealth management proposition, and consists of:

• Elevate – a flexible wrap platform;

• Pension and investment products;

• AXA Wealth International, including AXA Isle of Man and AXA Life Europe – offshore expertise;

• Architas – investment and multi-manager specialists; and,

• Business support – technical sales and business consultancy.

 

The AXA Group at a glance:

•         9th largest company in the world by revenue;*

•         96m clients worldwide (individuals and businesses); **

•         216,000 employees worldwide; **

•         operating in 57 countries; and, **

•         revenues of 90bn Euros. †

 

* Fortune Global 500 July 2010 (http://money.cnn.com/magazines/fortune/global500/2010/full_list/)

** As at 31 December 2009

† Full year 2009.

 

Please note, AXA Wealth has no right of access to the assets of the global AXA Group.

 

AXA Wealth, Winterthur Way, Basingstoke, Hampshire, RG21 6SZ. Telephone number: 01256 470707. As part of our commitment to quality service, telephone calls may be recorded.

 

Architas Multi-Manager Limited (No. 06458717), AXA Portfolio Services Limited (No. 1128611), AXA Wealth Services Limited (No. 02238458),

Winterthur Life UK Limited (No. 3116645) and AXA Wealth Limited (No. 01225468) are all companies registered in England and limited by shares.

Their registered office is 5 Old Broad Street, London, EC2N 1AD. Each company promotes and distributes its own products and is authorised and

regulated by the Financial Services Authority. AXA Wealth Services Limited also promotes and distributes the products of AXA Isle of Man Limited

and AXA Life Europe Limited in the United Kingdom.

 

AXA Wealth is a marketing brand used by these companies. Details of the companies offering specific products are contained within product literature.

 

Company Profile
Formed as a mutual in 1832, Friends Provident was listed on the London Stock Exchange in July 2001 f
ollowing a successful demutualisation.
FRIENDS®  were then admitted to the FTSE 100 Index of leading companies and the FTSE 4Good
Index acknowledging our reputation as a socially responsible company.
In 2002 FRIENDS® acquired Royal & SunAlliance International Financial Services, making FRIENDS® one of
the largest players in the offshore market.
2004 saw the acquisition of Lombard International Assurance SA. Lombard is a pan-European life
assurance company specialising in providing wealth management and estate planning solutions to high
net worth clients in Europe, Asia and Mexico.  

In 2006 our award achievements included Professional Pensions Life Assurance Company Of The Year &
the British Insurance Awards Life Insurer Of The Year.

Our key drivers include;

• The building of strong relationships with key distributors to secure profitable growth
• The delivery of excellent service and performance by putting customers at the centre of what we do
• The development of our people and culture in line with our values to focus on the customer and
  enhance our performance
• The application of technology to improve service, enhance distribution and reduce costs

Group Structure
Comprising of two businesses, (Friends Provident Life and Pensions Limited and F&C Asset Management Plc)
a top ten life and pensions player and a top 5 asset manager.

Financial Strength
Standards & Poor’s:  A+ Stable Outlook
Moody’s:  A1 Stable  

Funds Under Management
£107 billion (31/06/2006)

About Us - At LV=, we have capital and income retirement planning products, offering a brighter future
for those who are planning, or aleady in, retirement. We are part of the Liverpool Victoria group of
companies ( www.LV.com) which was founded over 160 years ago and has more than 2.5 million members
and customers.

Integrity - Over the years, our company has evelvoed and our name has changed (in most recent years
you may remember us as Tomorrow or GE Life).  However, our commitment to integrity has never wavered.

Commitment To Service - As GE Life, we won the  Incisive Media Gold Standard Awards for Pensions
three years running in 2004, 2005 and 2006.  This prestigious awards indentifies financial companies that
are seen as challenging standard business practices to offer their clients more.  We were then
highly commended in 2007 after a period of considerable change following the sale of the business to Swiss
Re. - at which pont the business was relaunched under the Tomorrow brand. 

In 2007, Tomorrow received a 4 star pensions service rating from Defaqto - an independent market
research company.  Overall, over 80% of our scores for key aspects of service delivery were above
the industry benchmark, warranting a 4 star service mark.  We scored particularly well for Administration
(New Business) and Broker Consultant Services.  All of which further highlight our service commitment to you.

2007 also saw us awarded a coveted four stars in the Financial Adviser Service Awards, for the second
year running.  These awards recognise the importance of quality service from product providers to their
IFA clients and are considered to be the benchmark for service standards within the retail
finance marketplace.

Innovation - We innovate in response to market needs, our Specialist retirement team were the first
to launch "smoker" annuities and value protected annuities.  We were also one of the first into key
new markets such as Self Invested Personal Pensions (SIPP), Income Drawdown and Alternatively
Secured Pensions (Drawdown for those aged 75+).  Our focus on those specifically reaching, or in
retirement gives us the insight into these markets necessary to ensure we keep moving with
changing times and embrace customer needs.

Community and Volunteerism - At LV= we actively support our community, volunteering our time and
skills to support local projects.

Our core theme for 2007-2009 is "protecting our children and their future".  We aim to do this
through programmes that are "close to home" and relevant to all of us, and in particular families with children.

As part of strategy we have commited our support to two key initiatives:

• Increased title sponsorship of the Streetwise Safety Centre, which is an award winning
  interactive safety education centre in Bournemouth used to raise awareness of everyday safety
  and good citizenship issues amongst children.
• Renewed sponsorship of Kidzone, a Bournemouth-based beach safety scheme for young
  children. Together these programmes will help thousands of children and can genuinely help to
  save lives.

On that note, in August 2007, LV= and our affinity partner csma reached a milestone donation figure
of £515,000 raised for the RNLI. More importantly the lifeboats we have sponsored have already saved
two lives.

We also have the Care and Support Fund for members and we are looking at other new proposals and
schemes for the future. This may lead to a LV= ‘Charity of the Year’ scheme, whereby members could vote
for a lead charity that we would support during a given year.

                         
"Founded in 1881 in Edinburgh as a proprietary company, Scottish Life became a mutual company in 1968. 
On 1 July 2001, Scottish Life demutualised and transferred its business to Royal London. Scottish Life is
a division of Royal London and is the specialist pensions business within the Group, providing individual
and group pensions to the market via intermediaries.

We are committed to becoming a leading provider of financial services products in the UK and aim to
provide the highest standards of customer service by developing products and services that are recognised
as market leading.

Scottish Life supports both its Retirement Solutions suite of products and Individual range of pension
products with a comprehensive web enabled administration package. if@plus and Online Solutions
provide effective support and quality service for IFAs; for pension scheme trustees and administrators;
for members of pension arrangements; and for pension policyholders."

Founded in 1815 as Scotland's first mutual life office, Scottish Widows has gone from strength to
strength over the past 190 years; it is one of the top providers in the UK Life, Pensions and
Investment market. Its products range from ordinary long-term insurance (such as life insurance, pensions
and annuities) to savings and investment products.

The Scottish Widow is now part of the country's popular culture, and Scottish Widows is one of the
most recognised brands in the life, pensions and investments industry. (Source: Marketminder February 2006)

We understand that preparing for the future is important, but that financial planning can be complicated
and companies like us can be distant and remote. We are different because we understand.

We offer a range of products and services which can help our customers make the right decisions for
their financial futures.

Scottish Widows currently employs around 4,000 people: in customer service; information
technology; marketing and distribution; risk, legal and compliance; finance and support.

The Scottish Widows Investment Partnership is now one of Europe's largest asset management
companies, managing more than £97 billion of client funds (Source: SWIP - at 31 December 2007).

Scottish Widows is strongly capitalised. We have been allocated the following ratings for financial strength:

AKG B+ (Very Good)

Moody’s Aa1 (Excellent)

Standard & Poor’s AA- (Very Strong)
all ratings as at March 2007

The SIPPcentre is the future of low cost flexible pensions and is exclusively available through
Independent Financial Advisers.

The SIPP centre brings together the experise of the UK's leading investment institutions with the flexibility
of one of the most cost effective Self Invested Personal Pensions (SIPPs) in the market place.

The Advisory Option provides access to approximately 1,700 unit trusts and OEICs, more than any other
Fund Supermarket, as well as a wide range of shares, gilts and corporate bonds. More than 700 funds have
no initial charge and over 1,450 funds have an initial charge of 0.5% or less.

The SIPPcentre is a division of Sippdeal. Sippdeal launched the first online SIPP in October 2000 and is now the UK's 3^rd largest SIPP trustee and administrator. Sippdeal is part of the A J Bell Group, a leading player in the SSAS and SIPP markets.

"Skandia UK is a leading provider of long-term savings with innovative solutions for investments, pensions,
and protection. Our wealth of experience has earned us a reputation for excellence for our approach
to product design, administration and service.

We constantly challenge what the market has to offer, believing that you should have the freedom to
choose financial products tailored to your individual needs, able to adapt as these needs change.

Our products are underpinned by the MultiManager approach we pioneered over 20 years ago, offering you
a range of leading external fund managers. While this approach is much imitated, our expertise
and commitment has ensured Skandia’s reputation as the leaders in MultiManager investment.

We are part of the worldwide Skandia group headquartered in Sweden, where it is the oldest quoted
company on the Stockholm Stock Exchange. After 150 years of business, it has grown to be one of
Europe’s largest insurance companies, with operations in over 20 countries."

Established in 1848, today Prudential plc is a leading international financial services company with some
16 million customers, policyholders and unit holders and some 20,000 employees worldwide.

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 £112 billion of funds (as at 30 June 2004).

Launched by Prudential in 1998, Egg is an innovative financial services company, with over 3 million
customers with a market share of nearly 6% of UK credit card balances.

In Asia, Prudential is the leading European life insurer with 23 life and fund management operations in
12 countries serving some five million customers.

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

"Transact is the independent wrap service provided by Integrated Financial Arrangements plc (Integrafin) and it received it's first portfolio application in March of 2000. It was the first wrap service to be launched in the UK and today (March 2010) is used by around 4000 advisers who have placed assets that are currently valued at £8.3bn, on behalf of around 90,000 clients, making it by far the most popular wrap service in the UK.

The service continues to devote resources to ever improving functionality primarily due to it's ongoing and consistent profitability. The fact that Tranasct has been profitable since 2004 is an essential ingredient in providing consistent, high quality service to advisers."

Winterthur

Winterthur Life UK Limited is part of Winterthur Group, which has assets under management of around

CHF 153.3 billion as at December 31st 2005. Winterthur Life UK Limited is authorised and regulated by the Financial Services Authority.

Philosophy

Winterthur Life UK provides innovative financial products aimed at the pre and post retirement market.

The company offers personal pensions that feature simple, transparent charging, with no bid-offer spread, penalty free transfers and no additional charges if contributions are stopped, started or changed.

Free switching between investment funds and fund managers at any time provides the opportunity to aim to maximise clients' returns by making the most of prevailing market conditions. This philosophy is core to all Winterthur products and services.

Winterthur Life is one of the UK's top 10 providers of group personal pensions, and market leading individual pension products through independent financial advisers and other professional financial intermediaries.

Winterthur is part of the AXA Wealth proposition, along with Architas, AXA Wealth International and Elevate.

AXA Wealth, Winterthur Way, Basingstoke, Hampshire, RG21 6SZ. Telephone number: 01256 470707. As part of our commitment to quality service, telephone calls may be recorded.

Architas Multi-Manager Limited (No. 06458717), AXA Portfolio Services Limited (No. 1128611), AXA Wealth Services Limited (No. 02238458),

Winterthur Life UK Limited (No. 3116645) and AXA Wealth Limited (No. 01225468) are all companies registered in England and limited by shares.

Their registered office is 5 Old Broad Street, London, EC2N 1AD. Each company promotes and distributes its own products and is authorised and regulated by the Financial Services Authority. AXA Wealth Services Limited also promotes and distributes the products of AXA Isle of Man Limited and AXA Life Europe Limited in the United Kingdom.

AXA Wealth is a marketing brand used by these companies. Details of the companies offering specific products are contained within product literature.

Zurich Assurance's objective is to deliver excellent products exclusively to the Intermediary market. It offers
a Personal Pension Plan, which provides a broad investment choice.

Zurich Assurance is part of the Zurich Financial Services Group, which traces its roots back by more than
125 years. As a global force in the financial services industry, the Group has over 35 million customers in
more than 60 countries. 

Raising standards:
We are a member of the Raising Standards scheme. This voluntary scheme was launched in October 2000
and is open to providers of financial services products.

At its centre are a set of rigorous customer focused standards, covering clarity and comparability
of information, appropriateness of the product purchased, and quality of service.

We're part of the scheme, so you can be confident our products have no hidden charges, are clearly
explained and are supported by high-quality ongoing service.