All our with-profits business is held within Liverpool Victoria Financial Services Limited (LVFS). When your client invests with us, it’s combined with other investor's money into our with-profits fund. First and foremost, we want to give your client a fair return on their investment. As we offer many different ways of investing, we have different groups of with-profits policyholders – with different plans started at different times, and with different terms.
We use smoothing on our with-profits funds to help protect your client from the ups and downs that can be found with investing in the stock market (and other investments).
With Profits:
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Servicing
With-profits funds
Many of our legacy investments and our Smoothed Managed Funds Bond Series 1 invest in the with-profits fund, this includes the LV= Flexible Guarantee Fund (all series) and the Flexible Guarantee Bond (all series).
Smoothed Managed Funds
Legacy investments
Financial strength and stability
We’ve been rated B for Overall Financial Strength (strong)*, so you can be confident in recommending us to your clients.
- We’ve been providing financial stability to our customers since 1843.
- We are a leading financial services provider with 1.3 million customers.
- We have £13billion in assets-under-management (at Q1 2020) and our Capital Coverage Ratio is 198% (2020 Annual Report).
*AKG Actuaries and Consultants Ltd, Financial Strength Assessment, March 2022.