Financial stability.

Many savings, life assurance, mortgage repayment and pension plans last for 20 years or more. With such long-term financial commitments, it is vital that you invest with a company that will still be going strong when your policy matures.

Financial strength is a major focus for us as a business. In November 2011 we announced an Insurance Group Directive (IGD) surplus of £4.0 billion. This is more than double the level of regulatory capital we are required to hold. In these volatile markets we continue to believe it appropriate to maintain a prudent IGD coverage ratio. Our strong balance sheet will continue to provide a significant buffer against the uncertain global economic and regulatory environment.

We are highly rated for financial strength amongst UK insurance companies.  Three of the world's leading independent rating agencies, Standard & Poors, Moody's and A.M.  Best, have recognised this.