Our recent merger with Scottish Widows means that an even stronger range of products is now available to you. Some of these, mainly pension products, are now offered under the Scottish Widows brand

Clerical Medical products still available to you include:

Collective Investment Account (OEICs) & Investment ISAs - invest in funds which offer income options, capital growth or a combination of income and growth.

Investment Bond, Discounted Gift & Income Bond, and Offshore Investment Bonds – ways of using a lump sum to provide for inheritance tax planning as well as for income, capital growth, or a combination of both. Trusts - In addition we have a comprehensive range of trust plans which can be used with our products to assist with inheritance tax planning.

Clerical Medical products no longer available to new customers

Some of our products are no longer available to new customers. However, if you've already invested in any of the following products you may make additional contributions.

Individual pensions – personal pensions for people who are either employed, self-employed or not working

Stakeholder pensions – like personal pensions with certain minimum standards set by the Government, designed to be low cost and flexible

Income drawdown – for people over 50 (55 from 6 April 2010), retired, about to retire, or who simply want additional income, Income Drawdown enables you to withdraw income from your pension and put off buying an annuity.