Costs from the Bonusbuilder Savings Plan and the High Start Bonusbuilder Savings Plan are taken from across the pool of money collected from all with profits policyholders. These will be reflected in the bonuses that are given each year and at the end of the term.

These costs will be for costs of administration, investment management, legal fees etc and will represent the actual costs incurred at the time.

In addition these plans have a monthly policy charge.