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Welcome to Athora

Athora is the new name for Aegon Ireland. You are now being redirected to

You can find out about the charges that apply to Secure Lifetime Income (Policy Conditions 1.0 - 4.0) here. How much we charge depends on the guarantee(s) you’ve selected, your choice of funds and when the bond was taken out. Your 'Policy schedule' will clearly show what guarantee options you chose. Please note that our policy conditions allow us to change our charges in certain conditions.

Annual management charge

The annual management charge (AMC) is specific to the fund(s) you’re invested in.


AMC (per year)

Core Portfolios


You may also have invested in our Create range. For details of the AMC applying to the funds within this range see the ASLI section of our Fund prices and performance page.

Guarantee option fee

If the plan is invested in a mix of funds, we’ll calculate the percentage fee proportionately. Each quarter, we’ll average the daily percentage fees and apply them to the plan.

We’ll apply the fee as a percentage of the fund value if you have policy conditions 1.0 to 3.0. If you have policy conditions 4.0 we’ll apply the fee as a percentage of the income base.  The guarantee option fee will be deducted for the lifetime of the plan, assuming there’s a fund value.

Fund choice

Cost of the guarantee option (per year)

80/20 Core Portfolio


70/30 Core Portfolio


60/40 Core Portfolio


50/50 Core Portfolio


If you’re invested in our Create range, your guarantee option fee depends on the percentage you invested in the Category B and C funds. Where the percentage that’s actually invested doesn’t directly match a percentage in the table below, we’ll recalculate the charge. Your financial adviser will be able to give you more information about this.

Category B and C percentage holdings

Cost of the guarantee option (per year)

20% and less






50% and higher


Establishment charge

An establishment charge may apply to your plan. Your 'Charges schedule' will give you full details of this charge.

Cash-in charges

Cash-in charges may apply. Your 'Charges schedule' will give you full details of this charge.

Switching charge

We’ll give you 12 free switches a year. We’ll charge £25 or 0.25% of the value of units to be cancelled, whichever is the highest, for each switch over and above the limit.

One switch covers the sale and purchase of funds.

Currency conversion charge

If the premium isn’t paid in UK Sterling and we need to convert the currency, we’ll deduct a currency conversion charge. This will be a percentage of the amount being converted. Your 'Charges schedule' will give you full details of this charge.

Valuation charge

We’ll send you a statement each year telling you the value of your plan. You can have a further three statements each plan year free of charge. We’ll charge £40 for each valuation statement request over and above the four free statements each plan year.