We have produced the guide below to help you understand unit-linked policies and how they work.

The guide tries to answer some of the questions you may have about how we look after your policy and how we work out the prices of units in our unit-linked funds.

It covers the following questions:
* How do unit-linked policies work?
* What is a unit-linked fund?
* What are the funds invested in?
* How do you work out the prices of units in each fund?
* How do you allow for tax when working out unit prices?
* Will I have to pay any additional tax?
* What charges apply to my policy?
* What prices apply when I buy or sell units?
* Where can I find current unit prices?
* Who looks after my interests?
* How do I know that I'm being treated fairly?
* What happens if you make a mistake?
* Where can I find out more information?