You’ll need to send us your original or a certified copy [witnessed and signed by a professional person, i.e. solicitor, doctor, dentist, bank manager, financial adviser etc] of your marriage certificate or deed poll.

Yes, you are able to increase and decrease the amount of protection cover you have. The only exception being unemployment cover, this can only be reduced. All increases, above the 'Increasing Benefit Option' [please see your Plan specific Terms and Conditions] are subject to underwriting. Please contact us for a personal illustration.

If you have paid a minimum of 24 Normal Regular Subscriptions, you can suspend payments.

During the Payment Holiday, no investment will be made into the Plan and any unemployment and Plan Subscription Cover will be suspended. The other protection benefits selected will be maintained for you by encashing investments in your Plan to cover the cost of the premium.

To suspend your direct debit, you must write to us at least two weeks before the collection date. If your Payment Holiday is more than a complete tax year, you will have to complete a fresh ISA Application Form before Normal Regular Subscriptions can recommence for the new tax year. If the Payment Holiday is for more than 2 years the Plan may only recommence subject to underwriting. Taking a Payment Holiday will affect your Plan’s ability to meet its projected target maturity benefit.

You can withdraw part of your money at any time after you have made at least 24 normal regular subscriptions subject to a minimum withdrawal of £500. Upon receipt of your written instruction, a cheque will be sent to you within 10 working days of the dealing day following receipt of your instruction.

If you cash in your entire Plan after the cancellation period, you will not be allowed to open another Maxi ISA or Stocks and Shares Mini ISA until the next tax year.

Making withdrawals will affect the Plan’s ability to meet its projected target maturity benefit.

If you increase your mortgage then you may increase the monthly Normal Regular subscription to your Plan.

A personal illustration can be provided to show the exact amount you may need to pay.

In addition you can make a Single Contribution of £250 or more at any time by completing an Additional Investment Form and sending a cheque made payable to “SFPL”.

Alternatively, you can make Additional Regular Contributions each month from £25 by completing an Additional Investment Form and a new direct debit instruction to your bank or building society. These investments are subject to the relevant overall ISA annual maximum investment limits.

For the tax year 6 April 2012 to 5 April 2013 the ISA allowances are £11,280 of which £5,340 can be in cash and with a different ISA manager.

Yes, you may switch all or part of your holdings at anytime.Instructions should be made in writing and the switch will be then be carried out at the next dealing date.

You may redirect your monthly payments to a different fund at any time. Please note that there could be a charge for switching or redirecting and you should refer to your specific Key Features and Terms and Conditions.

If you have any complaint about this Plan, or about any part of our service, please contact our Compliance Officer at: