Excuse my ignorance, but what are Unit Linked Guarantees?

clock •

Question: Excuse my ignorance, but what are Unit Linked Guarantees?

Answer: Mark Hayhoe - Aegon Unit-linked guarantees are just what they say on the tin - guarantees within unit-linked products. Usually when an insurer is giving payout guarantees, such as a lifetime annuity, these are written in the insurer's general account and require the life assured to pay a specified lump sum or series of premiums in return for the future benefit. The premiums are retained and invested by the insurer and there is usually no possibility to change your mind later. What makes unit-linked guarantees so interesting is that they are options on well known unit-l...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on uncategorised

PA Awards 2027: Last chance - entries close at midnight tonight

PA Awards 2027: Last chance - entries close at midnight tonight

The 22nd Professional Adviser Awards will take place in London next March

Professional Adviser
clock 18 September 2026 • 1 min read
Multi-Asset and MPS Roadshow: Last chance to join PA in Harrogate or Warrington

Multi-Asset and MPS Roadshow: Last chance to join PA in Harrogate or Warrington

Hear from Aberdeen, Aviva Investors, Clever, Downing, Fidelity, Quilter Cheviot, Rathbones

Professional Adviser
clock 08 September 2026 • 1 min read
Two including former police officer charged in connection with £720,000 investment fraud

Two including former police officer charged in connection with £720,000 investment fraud

Due to appear at Westminster Magistrates’ Court

Sophia Panayi
clock 04 June 2026 • 1 min read