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Welcome to Athora

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 3) 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 is specific to the fund(s) you're invested in.

The table below sets out the annual management charge if your plan was taken out on or before 26 April 2015.

Funds

Annual management charge

Managed Risk Portfolios

0.20%

Core Portfolios

0.10%

UK Cash fund

0.10%

The table below sets out the annual management charge if your plan was taken out on or after 27 April 2015.

Funds

Annual management charge

Managed Risk Portfolios

0.20%

Core Portfolios

0.10%

UK Fixed Interest fund

0.10%

UK Cash fund

0.10%

Guarantee option fee
Guaranteed capital option only

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 the guaranteed capital term, we’ll stop deducting the guarantee option fee.

The table below sets out the guarantee option fee if your plan was taken out on or before 26 April 2015.

Guaranteed capital term selected

Managed Risk Portfolios

Core Portfolios

UK Cash fund

 

Defensive

Cautious

Balanced

80/20

70/30

60/40

 

10

0.85%

1.30%

n/a

1.10%

1.60%

n/a

0.25%

11

0.65%

1.05%

n/a

0.90%

1.35%

n/a

0.25%

12

0.55%

0.90%

1.30%

0.70%

1.15%

1.50%

0.20%

13

0.45%

0.75%

1.10%

0.60%

1.00%

1.35%

0.20%

14

0.35%

0.60%

1.00%

0.55%

0.85%

1.20%

0.20%

15

0.35%

0.55%

0.95%

0.50%

0.70%

1.10%

0.15%

16

0.25%

0.50%

0.85%

0.45%

0.65%

1.00%

0.15%

17

0.25%

0.45%

0.75%

0.45%

0.60%

0.90%

0.15%

18

0.25%

0.40%

0.65%

0.40%

0.55%

0.80%

0.10%

19

0.25%

0.35%

0.55%

0.40%

0.55%

0.70%

0.10%

20

0.20%

0.30%

0.45%

0.35%

0.50%

0.65%

0.10%

The table below sets out the guarantee option fee if your plan was taken out on or after 27 April 2015.

Guaranteed capital term selected

Managed Risk Portfolios

Core Portfolios

UK Fixed Interest fund

UK Cash fund

 

Defensive

Cautious

Balanced

80/20

70/30

60/40

 

10

0.85%

1.30%

n/a

1.10%

1.60%

n/a

1.10%

0.25%

11

0.65%

1.05%

n/a

0.90%

1.35%

n/a

0.90%

0.25%

12

0.55%

0.90%

1.30%

0.70%

1.15%

1.50%

0.70%

0.20%

13

0.45%

0.75%

1.10%

0.60%

1.00%

1.35%

0.60%

0.20%

14

0.35%

0.60%

1.00%

0.55%

0.85%

1.20%

0.55%

0.20%

15

0.35%

0.55%

0.95%

0.50%

0.70%

1.10%

0.50%

0.15%

16

0.25%

0.50%

0.85%

0.45%

0.65%

1.00%

0.45%

0.15%

17

0.25%

0.45%

0.75%

0.45%

0.60%

0.90%

0.45%

0.15%

18

0.25%

0.40%

0.65%

0.40%

0.55%

0.80%

0.40%

0.10%

19

0.25%

0.35%

0.55%

0.40%

0.55%

0.70%

0.40%

0.10%

20

0.20%

0.30%

0.45%

0.35%

0.50%

0.65%

0.35%

0.10%

Guaranteed capital and guaranteed death benefit option

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 the guaranteed capital term, we’ll stop deducting the guarantee option fee.

The table below sets out the guarantee option fee if your plan was taken out on or before 26 April 2015.

Guaranteed capital term selected

Managed Risk Portfolios

Core Portfolios

UK Cash fund

 

Defensive

Cautious

Balanced

80/20

70/30

60/40

 

10

0.95%

1.45%

n/a

1.15%

1.70%

n/a

0.30%

11

0.75%

1.20%

n/a

0.95%

1.45%

n/a

0.30%

12

0.60%

1.00%

1.50%

0.80%

1.25%

1.65%

0.25%

13

0.50%

0.85%

1.30%

0.70%

1.05%

1.45%

0.25%

14

0.40%

0.70%

1.15%

0.60%

0.90%

1.35%

0.20%

15

0.40%

0.65%

1.05%

0.55%

0.80%

1.25%

0.20%

16

0.35%

0.60%

1.00%

0.50%

0.75%

1.10%

0.20%

17

0.35%

0.55%

0.90%

0.50%

0.70%

1.00%

0.20%

18

0.30%

0.50%

0.80%

0.45%

0.65%

0.90%

0.15%

19

0.30%

0.45%

0.70%

0.45%

0.60%

0.85%

0.15%

20

0.25%

0.40%

0.60%

0.40%

0.55%

0.80%

0.10%

The table below sets out the guarantee option fee if your plan was taken out on or after 27 April 2015.

Guaranteed capital term selected

Managed Risk Portfolios

Core Portfolios

UK Fixed Interest fund

UK Cash fund

 

Defensive

Cautious

Balanced

80/20

70/30

60/40

 

10

0.95%

1.45%

n/a

1.15%

1.70%

n/a

1.15%

0.30%

11

0.75%

1.20%

n/a

0.95%

1.45%

n/a

0.95%

0.30%

12

0.60%

1.00%

1.50%

0.80%

1.25%

1.65%

0.80%

0.25%

13

0.50%

0.85%

1.30%

0.70%

1.05%

1.45%

0.70%

0.25%

14

0.40%

0.70%

1.15%

0.60%

0.90%

1.35%

0.60%

0.20%

15

0.40%

0.65%

1.05%

0.55%

0.80%

1.25%

0.55%

0.20%

16

0.35%

0.60%

1.00%

0.50%

0.75%

1.10%

0.50%

0.20%

17

0.35%

0.55%

0.90%

0.50%

0.70%

1.00%

0.50%

0.20%

18

0.30%

0.50%

0.80%

0.45%

0.65%

0.90%

0.45%

0.15%

19

0.30%

0.45%

0.70%

0.45%

0.60%

0.85%

0.45%

0.15%

20

0.25%

0.40%

0.60%

0.40%

0.55%

0.80%

0.40%

0.10%

Guaranteed income / guaranteed income and guaranteed death benefit

We’ll apply the fee as a percentage of the remaining premium.  The guarantee option fee will be deducted assuming there’s a fund value.  At the end of the guaranteed income period, we’ll stop deducting the guarantee option fee.

The table below sets out the guarantee option fee if your plan was taken out on or before 26 April 2015.

Fund

Guarantee option fee

Without guaranteed death benefit

With guaranteed death benefit

Managed Risk Portfolio Defensive

0.25%

0.30%

Managed Risk Portfolio Cautious

0.45%

0.55%

Managed Risk Portfolio Balanced

0.75%

0.90%

80/20 Core Portfolio

0.25%

0.30%

70/30 Core Portfolio

0.45%

0.55%

60/40 Core Portfolio

0.75%

0.90%

UK Cash fund

0.15%

0.15%

The table below sets out the guarantee option fee if your plan was taken out on or after 27 April 2015.

Fund

Guarantee option fee

Without guaranteed death benefit

With guaranteed death benefit

Managed Risk Portfolio Defensive

0.25%

0.30%

Managed Risk Portfolio Cautious

0.45%

0.55%

Managed Risk Portfolio Balanced

0.75%

0.90%

80/20 Core Portfolio

0.25%

0.30%

70/30 Core Portfolio

0.45%

0.55%

60/40 Core Portfolio

0.75%

0.90%

UK Fixed Interest fund

0.25%

0.30%

UK Cash fund

0.15%

0.15%

Guaranteed lifetime income / guaranteed lifetime income and guaranteed death benefit

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.

The table below sets out the guarantee option fee if your plan was taken out on or before 26 April 2015.

Fund

Guarantee option fee

Without guaranteed death benefit

With guaranteed death benefit

Managed Risk Portfolio Defensive

0.25%

0.50%

Managed Risk Portfolio Cautious

0.60%

1.00%

Managed Risk Portfolio Balanced

0.95%

1.50%

80/20 Core Portfolio

0.35%

0.60%

70/30 Core Portfolio

0.50%

1.00%

60/40 Core Portfolio

0.75%

1.50%

UK Cash fund

0.25%

0.30%

The table below sets out the guarantee option fee if your plan was taken out on or after 27 April 2015.

Fund

Guarantee option fee

Without guaranteed death benefit

With guaranteed death benefit

Managed Risk Portfolio Defensive

0.25%

0.50%

Managed Risk Portfolio Cautious

0.60%

1.00%

Managed Risk Portfolio Balanced

0.95%

1.50%

80/20 Core Portfolio

0.35%

0.60%

70/30 Core Portfolio

0.50%

1.00%

60/40 Core Portfolio

0.75%

1.50%

UK Fixed Interest fund

0.35%

0.60%

UK Cash fund

0.25%

0.30%

Administration charge

The administration charge is a specific percentage (based on the amount of money you invested - the premium).

Premium band (£)

Administration charge (% of fund each year)

20,000 - 24,999.99

0.95%

25,000 - 49,999.99

0.70%

50,000 - 74,999.99

0.60%

75,000 - 149,999.99

0.55%

150,000+

0.50%

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.