What to ask before you buy.
In this guide
How it works
Part of the premium buys life cover; the rest buys units in chosen funds.
Charges
Premium allocation, administration, mortality and fund management charges apply; fund management is capped by regulation.
Lock-in
Units cannot be withdrawn for five years.
Risk
Fund values can fall as well as rise.
Key takeaway. Ask for the charge structure in writing and match funds to your time horizon.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.