Cost of living crisis

We’re here for you, now more than ever

We are a strong and steady company and have been looking after customers since 1893. We are still here for you and will continue to put customers first. We also remain focussed on our employees’ health and well-being.

We continue to be as flexible as possible with our normal requirements. We understand that many customers are facing difficult circumstances currently. If paying premiums will result in financial hardship at this time, please get in touch with us. Help is also available through agencies such as the Money Advice Service. We also know that some customers will be in especially vulnerable circumstances. Please let us know if any of our requirements cause you great difficulty or concern.

Please remember that any personal data you send to us by email is not completely secure and is at your own risk.

Making investment decisions

Making the right investment decisions is as important as ever. We can give you general information about the kind of questions you might want to think about.  For advice that’s specific to you or for help deciding what to do with your money, you’ll need to talk to a financial adviser. We’d recommend you talk to one before you make any investment decisions. You can find a financial adviser at They’ll probably charge you for their time.

Don’t let scammers take your savings  

Sadly, scammers try to trick people out of their savings. Protect yourself by watching out for scam messages. Don’t click on the links or attachments in suspicious emails, and never respond to unsolicited messages and calls that ask for your personal or financial account details. Current examples include:

  • Covid-19 – asking you for your information for a Covid digital vaccine passport
  • Using market volatility as a reason to transfer your policy values elsewhere.
  • Offering exceptional guaranteed investment returns.

There are lots of different pension scams. Know what to look out for to keep your money safe.

You can get more information from The Pension Regulator website; and the FCA’s ScamSmart site. If you think you’ve been the victim of a scam, call ActionFraud immediately on 0300 123 2040.