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In this section you can access literature and policy provisions relating to your policy. Refer to the bottom of your policy schedule for confirmation of the correct policy provision version relevant to your policy.

Click on the links below to download literature items in PDF format. If you are unable to access any of the PDF's linked below, please contact us.

You will require a copy of Adobe Acrobat reader in order to view these files, click the icon below to download it now.

Policy Provisions - Capital Options Product
Document		Date
	Capital Options Policy Provisions	January 1993
	Capital Options Policy Provisions	February 1994
	Capital Options Policy Provisions	July 1995
	Capital Options Policy Provisions	July 1995

Policy Provisions - With-Profits Bond Product
Document		Date
	With-Profits Bond Policy Provisions	May 1992
	With-Profits Bond Policy Provisions	March 1993
	With-Profits Bond Policy Provisions	July 1995

Policy Provisions - Low Cost Endowment
Document		Date
	Low Cost Endowment Policy Provisions	October 1986
	Low Cost Endowment Policy Provisions	October 1986
	Low Cost Endowment Policy Provisions	June 1988
	Low Cost Endowment Policy Provisions	January 1993
	Low Cost Endowment Policy Provisions	July 1994

Policy Provisions - Bonus Mortgage Plan Endowment Product
Document		Date
	Bonus Mortgage Plan Policy Provisions	November 1990
	Bonus Mortgage Plan Policy Provisions	January 1993
	Bonus Mortgage Plan Policy Provisions	January 1994

Policy Provisions - With-Profit Endowment Product
Document		Date
	With-Profit Endowment Plan Policy Provisions	May 1987
	With-Profit Endowment Plan Policy Provisions	January 1993
	With-Profit Endowment Plan Policy Provisions	July 1994

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Scottish Mutual International Limited is regulated by the Irish Financial Regulator, and Phoenix Life Limited is regulated in the United Kingdom by the Financial Services Authority.