For a limited period, we're offering to review your with-profits policy free of charge. We used to charge £50 for our entry level health check service, knowing that our service frequently saves policyholders thousands of pounds and represented excellent value for money. Now that it's free of charge we believe it's priceless!

What is our With-Profits Review Service?

Our free with-profits review service makes three sets of calculations for your with-profits plan, whether that's a with-profits bond, pension or endowment. We work out:

1. The guaranteed return on your plan on maturity
2. The projected return on your plan on maturity
3. The projected return of your plan if you save elsewhere

This free assessment is not a recommendation but it can quickly highlight whether your plan is one of the good ones. If the guaranteed and projected returns of staying are not as good as the prospects if you save elsewhere, then we would be pleased to help you find a suitable alternative plan.

The free review includes the option to talk about the plan with our with-profits expert Miles Hendy. With-profits is a complicated subject and we use our years of experience to help you make sense of your plan so that you can make an informed decision.

Why are we offering the service for free?

As a firm of financial planners we help our clients plan for their futures and make informed decisions about their savings. We are independent financial advisers so we can help you find the most suitable investment or retirement plan, taking into account your attitude to risk, charges and taxation. Our free assessment means that where your policy is good enough to keep, or where you decide to surrender your plan and reinvest in cash or repay the mortgage, then we’ve helped you without being paid. We’re happy to do this because many policyholders who use our with-profits health check service go on to become clients of Fraser Heath. In this age of information at your fingertips, we recognise that people need to trust firms that they’ve discovered over the internet and we believe this free service will help give you the confidence to deal with us in the future.

How do you Order your Free With-Profits Health Check?

If you would like us to carry out a free assessment, we will need to gather information about your policy from your insurance company. The insurance company will need to see your signature authorising Fraser Heath Financial Management to access information on your policy. You therefore need to complete, sign and return the attached form to us at the address shown on the letter.

Please download the form here.

Fraser Heath are authorised and regulated by the Financial Services Authority. For information about how we handle your data we have a Guide to our Terms of Business and a Data Protection statement on our website.