Welcome to Athora
Athora is the new name for Aegon Ireland. You are now being redirected to www.athora.com/ie
Athora is the new name for Aegon Ireland. You are now being redirected to www.athora.com/ie
You can find out about the charges that apply to Secure Trustee Investment (Policy Conditions 1) 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.
The annual management charge is specific to the fund(s) you're invested in.
|
Funds |
Annual Management Charge |
|
UK Cash fund |
0.50% |
|
Core Portfolio |
0.50% |
If the plan is invested in a mixture of the Core Portfolios and/or UK Cash fund, we'll calculate the percentage fee proportionately. Each quarter, we'll average the daily percentage fees and apply them to the plan.
The table below sets out the guarantee option fee if your plan was taken out on or before 22 March 2012.
We’ll apply the fee as a percentage of the guaranteed capital value. The guarantee option fee will be deducted assuming there’s a fund value.
At the end of your guaranteed capital term, we stop deducting the guarantee option fee.
|
Guaranteed capital term selected |
UK Cash fund |
Core Portfolios (UK fixed interest/UK equities split) |
|||
|
80/20 |
70/30 |
60/40 |
50/50 |
||
|
8 |
0.25% |
1.05% |
1.75% |
n/a |
n/a |
|
9 |
0.25% |
0.90% |
1.45% |
n/a |
n/a |
|
10 |
0.20% |
0.70% |
1.10% |
1.70% |
n/a |
|
11 |
0.20% |
0.60% |
0.95% |
1.45% |
n/a |
|
12 |
0.15% |
0.50% |
0.80% |
1.20% |
1.75% |
|
13 |
0.15% |
0.45% |
0.75% |
1.10% |
1.60% |
|
14 |
0.15% |
0.45% |
0.65% |
1.00% |
1.40% |
|
15 |
0.10% |
0.40% |
0.60% |
0.90% |
1.25% |
|
16 |
0.10% |
0.40% |
0.55% |
0.85% |
1.20% |
|
17 |
0.10% |
0.35% |
0.55% |
0.80% |
1.15% |
|
18 |
0.10% |
0.35% |
0.50% |
0.80% |
1.10% |
|
19 |
0.10% |
0.30% |
0.50% |
0.75% |
1.05% |
|
20 |
0.05% |
0.30% |
0.45% |
0.70% |
1.00% |
The table below sets out our guaranteed option fee if your plan was taken out from 23 March 2012 onwards. In some instances, where your plan was set up between 23 March 2012 and 13 April 2012, your plan will have the guarantee option fee shown in the table above. If your plan was started within these dates then you should call the Athora Ireland Client Relations team on lo-call 0345 6000 173 if you're calling from the UK, or 00 353 1 673 8840 if you're calling from outside the UK to confirm which guarantee option fees apply to your plan. Your 'Policy schedule' will confirm when your plan started.
We’ll apply the fee as a percentage of the guaranteed capital value. The guarantee option fee will be deducted assuming there’s a fund value.
At the end of your guaranteed capital term, we stop deducting the guarantee option fee.
|
Guaranteed capital term selected |
UK Cash fund |
Core Portfolios (UK fixed interest/UK equities split) |
||
|
80/20 |
70/30 |
60/40 |
||
|
10 |
0.40% |
1.50% |
2.25% |
n/a |
|
11 |
0.40% |
1.25% |
1.85% |
n/a |
|
12 |
0.30% |
0.95% |
1.45% |
2.10% |
|
13 |
0.30% |
0.85% |
1.30% |
1.80% |
|
14 |
0.30% |
0.85% |
1.10% |
1.60% |
|
15 |
0.20% |
0.60% |
0.90% |
1.40% |
|
16 |
0.20% |
0.55% |
0.80% |
1.25% |
|
17 |
0.20% |
0.55% |
0.80% |
1.15% |
|
18 |
0.20% |
0.50% |
0.70% |
1.05% |
|
19 |
0.20% |
0.50% |
0.70% |
0.95% |
|
20 |
0.15% |
0.45% |
0.60% |
0.85% |
The table below sets out the guarantee option fee if your plan was taken out from on or before 22 March 2012.
We’ll apply the fee as a percentage of the guaranteed capital value. The guarantee option fee will be deducted assuming there’s a fund value.
At the end of your guaranteed capital term, we stop deducting the guarantee option fee.
|
Guaranteed capital term selected |
UK Cash fund |
Core Portfolios |
|||
|
80/20 |
70/30 |
60/40 |
50/50 |
||
|
8 |
0.30% |
1.15% |
1.90% |
n/a |
n/a |
|
9 |
0.30% |
1.00% |
1.60% |
n/a |
n/a |
|
10 |
0.25% |
0.80% |
1.25% |
1.90% |
n/a |
|
11 |
0.25% |
0.70% |
1.10% |
1.65% |
n/a |
|
12 |
0.20% |
0.60% |
0.95% |
1.40% |
2.05% |
|
13 |
0.20% |
0.55% |
0.90% |
1.30% |
1.90% |
|
14 |
0.20% |
0.55% |
0.80% |
1.20% |
1.70% |
|
15 |
0.15% |
0.50% |
0.75% |
1.10% |
1.55% |
|
16 |
0.15% |
0.50% |
0.70% |
1.05% |
1.50% |
|
17 |
0.15% |
0.45% |
0.70% |
1.00% |
1.45% |
|
18 |
0.15% |
0.45% |
0.65% |
1.00% |
1.40% |
|
19 |
0.15% |
0.40% |
0.65% |
0.95% |
1.35% |
|
20 |
0.10% |
0.40% |
0.60% |
0.90% |
1.30% |
The table below sets out our guaranteed option fee if your plan was taken out from 23 March 2012 onwards. In some instances, where your plan was set up between 23 March 2012 and 13 April 2012, your plan will have the guarantee option fee shown in the table above. If your plan was started within these dates then you should call our Client Relations team on lo-call 0345 6000 173 if you're calling from the UK, or 00 353 1 673 8840 if you're calling from outside the UK to confirm which guarantee option fees apply to your plan. Your 'Policy schedule' will confirm when your plan started.
We’ll apply the fee as a percentage of the guaranteed capital value. The guarantee option fee will be deducted assuming there’s a fund value.
At the end of your guaranteed capital term, we stop deducting the guarantee option fee.
|
Guaranteed capital term selected |
UK Cash fund |
Core Portfolios |
||
|
80/20 |
70/30 |
60/40 |
||
|
10 |
0.45% |
1.60% |
2.40% |
n/a |
|
11 |
0.45% |
1.35% |
2.00% |
n/a |
|
12 |
0.35% |
1.05% |
1.60% |
2.30% |
|
13 |
0.35% |
0.90% |
1.45% |
2.00% |
|
14 |
0.35% |
0.90% |
1.25% |
1.80% |
|
15 |
0.25% |
0.70% |
1.05% |
1.60% |
|
16 |
0.25% |
0.65% |
0.90% |
1.45% |
|
17 |
0.25% |
0.60% |
0.90% |
1.35% |
|
18 |
0.25% |
0.60% |
0.80% |
1.25% |
|
19 |
0.25% |
0.55% |
0.80% |
1.15% |
|
20 |
0.15% |
0.50% |
0.70% |
1.05% |
The table below sets out our guaranteed option fee if your plan was taken out on or before 22 March 2012.
We’ll apply the fee as a percentage of the highest recorded fund value less guaranteed income paid to date. The guarantee option fee will be deducted assuming there’s a fund value.
At the end of your guaranteed income period, we stop deducting the guaranteed option fee.
|
Fund (UK fixed interest/UK equities split) |
Guarantee option fee |
|
|
Without guaranteed death benefit |
With guaranteed death benefit |
|
|
80/20 Core Portfolio |
0.20% |
0.30% |
|
70/30 Core Portfolio |
0.25% |
0.45% |
|
60/40 Core Portfolio |
0.45% |
0.75% |
|
50/50 Core Portfolio |
0.70% |
1.20% |
|
UK Cash fund |
0.15% |
0.20% |
The table below sets out our guaranteed option fee if your plan was taken out from 23 March 2012 onwards. In some instances, where your plan was set up between 23 March 2012 and 13 April 2012, your plan will have the guarantee option fee shown in the table above. If your plan was started within these dates then you should call our Client Relations team on lo-call 0345 6000 173 if you're calling from the UK, or 00 353 1 673 8840 if you're calling from outside the UK to confirm which guarantee option fees apply to your plan. Your 'Policy schedule' will confirm when your plan started.
We’ll apply the fee as a percentage of the highest recorded fund value less guaranteed income paid to date. The guarantee option fee will be deducted assuming there’s a fund value. At the end of your guaranteed income period, we stop deducting the guaranteed option fee.
|
Fund (UK fixed interest/UK equities split) |
Guarantee option fee |
|
|
Without guaranteed death benefit |
With guaranteed death benefit |
|
|
80/20 Core Portfolio |
0.60% |
0.90% |
|
70/30 Core Portfolio |
0.85% |
1.35% |
|
60/40 Core Portfolio |
1.30% |
2.00% |
|
UK Cash fund |
0.45% |
0.50% |
The table below sets out our guaranteed option fee if your plan was taken out on or before 22 March 2012.
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 (UK fixed interest/UK equities split) |
Guarantee option fee |
|
|
Without guaranteed death benefit |
With guaranteed death benefit |
|
|
80/20 Core Portfolio |
0.40% |
0.50% |
|
70/30 Core Portfolio |
0.55% |
0.75% |
|
60/40 Core Portfolio |
0.80% |
1.10% |
|
50/50 Core Portfolio |
1.00% |
1.50% |
|
UK Cash fund |
0.20% |
0.30% |
The table below sets out our guaranteed option fee if your plan was taken out from 23 March 2012 onwards. In some instances, where your plan was set up between 23 March 2012 and 13 April 2012, your plan will have the guarantee option fee shown in the table above. If your plan was started within these dates then you should call our Client Relations team on lo-call 0345 6000 173 if you're calling from the UK, or 00 353 1 673 8840 if you're calling from outside the UK to confirm which guarantee option fees apply to your plan. Your 'Policy schedule' will confirm when your plan started.
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 (UK fixed interest/UK equities split) |
Guarantee option fee |
|
|
Without guaranteed death benefit |
With guaranteed death benefit |
|
|
80/20 Core Portfolio |
0.60% |
0.85% |
|
70/30 Core Portfolio |
0.85% |
1.35% |
|
60/40 Core Portfolio |
1.25% |
1.95% |
|
UK Cash fund |
0.50% |
0.60% |
Your 'Charges schedule' will give you full details of this charge if it applies.
Your 'Charges schedule' will give you full details of this charge if it applies.
Your 'Charges schedule' will give you full details of this charge if it applies.
Your 'Charges schedule' will give you full details of this charge if it applies.
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 free switch covers the sale and purchase of funds.
We'll send you a statement each year telling you the current value of your plan. You can have a further three statements each plan year. We charge £40 for each statement request over and above your four free statements each plan year.
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.