Common questions

No, both guarantees need to be chosen at the start. They can’t be chosen at a later date.

No, it’s up to you to decide when to start taking guaranteed income. You can start taking guaranteed income any time.

Yes. If you choose to stop and restart guaranteed income payments, we’ll extend the guaranteed income period beyond 20 years.

We’ll continue to pay the guaranteed income until you’ve taken 100% of your original investment as income.

The guaranteed income can be paid yearly or can be taken monthly, quarterly or half-yearly – the frequency can be changed at a later date if needed.

If you want to take additional withdrawals from your bond, you must do this by cashing in complete policies. It’s not possible to take an additional withdrawal over all policies.

Cashing in complete policies will proportionately reduce the guarantees. Your financial adviser will be able to tell you how this works.

Yes. You can find out more about the guarantee option fee in the charges section

Yes, you can choose to take the guaranteed income as a stand-alone option. However, the guaranteed death benefit can only be taken with the guaranteed income option – it’s not available as a stand-alone option.

There’s a range of Core and Multi-manager portfolios to choose from, with passive and active management to suit a wide range of needs, plus access to our UK Cash fund. Charges will vary, depending on your fund choice.

You can find out more about our range of funds in the funds section.

Yes. You can switch funds as often as you like. We allow 12 free switches in each bond year. We reserve the right to charge for switches that are more frequent.

No.

Yes - the minimum is £15,000 and the maximum is £1 million.  Investments of over £1 million will be considered on a case-by-case basis.

You need to be aged 18 or over, and at least one of the people the bond covers has to be age 74 or younger.

We'll clearly set out the all the charges in your personal illustration. Your financial adviser will get this for you before you decide if you want to take the plan out.

In the meantime you can find out more information in the charges section.

We'll send you a valuation of your bond each year , free of charge. On request, we can also send you another three valuations each year, free of charge.

You can also use our secure online valuation service, Plan View, to check on your investments at any time.

No, additional payments can’t be made.

The only circumstance in which the guarantees wouldn’t apply is if AEGON Ireland plc failed. In this unlikely event, the benefits from your bond may be affected.

Investment returns aren't guaranteed and although the income is guaranteed with AEGON Secure Income, the fund value isn't - so it could fall as well as rise.