• A three year guaranteed period from outset with a further three year guarantee from the first and second review date if selected at outset.

• Fixed income for the first three years.

• Investment control with potential for growth and an increased income at the next review.

• Bonus on survival to each three year review point added to the investment element providing the potential for increased income in future.

• The ability to change the provision for the second annuitant, including the ability to remove later if circumstances change.

• Transfer option at each review date to purchase a lifetime annuity with another provider.

• A phased investment option to enable your client to automatically move money gradually from one group of funds to another over a defined period of time, free of charge. The option can be taken at outset or added at a three-year review and can be applied to new and existing business.

For further information please refer to the policy provisions.

• We can offer you flexible remuneration, initial and trail, both at outset and at each review date.

• The AGA is backed by our Service Charter that commits us to provide an excellent service to you and your clients. The charter includes non performance penalties – if we don’t keep our promises we will pay you.