Top-up Search Facility
In order to obtain the current details of the policy you wish to top-up, you will need to enter the seven digit policy number (in the format: NNNNNNA).
If you do not know the policy number, click on 'follow this link' to use the Policy Search Facility. You will need to know the policy owner's Surname, Date of Birth and Post Code to find the correct policy number.
Change Adviser
Clicking Change Adviser will take you back to the Agency Number selection screen, allowing you to input a different agency number for your firm, if required.
Policy Search Facility
Enter the owner Surname, Date of Birth and Postcode for the original policy, then select Search.
Clicking Reset Screen clears the information from the page.
Change Adviser
Clicking Change Adviser will take you back to the Agency Number selection screen, allowing you to input a different agency number for your firm, if required.
Policy Search Result
The results of the search are shown on this page.
Choose the policy you wish to top-up by clicking the radio button in the Select column beside the appropriate policy number.
Next
Click on Next which takes you to the Top-Up Search Facility, where the policy number will be populated in the appropriate field.
New Search
Click on New Search to return to the Policy Search Facility.
Review your client's details
Registered Individual Name
If you are the Registered Individual please enter your details in the First Name(s) and Surname fields. Otherwise, please enter the name of the Registered Individual who has requested the top-up illustration
Enter your own reference
You can enter any reference you like up to 25 characters long. The reference will be displayed on the illustration summary page and also on the printed illustration if it is produced. You do not have to enter a value in this field.
Client Details
Displayed here are your client's personal details giving you the opportunity to ensure our records are up to date.
Back
Click on Back to review or amend details previously entered on this illustration.
Next
Click on Next to proceed with the top-up illustration.
Review your client's investment details
Policy Details
This shows the various details for the policy as currently held on our records, including withdrawals information and bank details if withdrawals were set-up on the original plan.
Fund Details
This area shows the investment fund(s) currently selected on the original policy, and the percentage allocated to each.
Return of Premium Death Benefit option
This statement confirms if this option exists on the original policy.
Cash-in Charge option
This statement confirms that the '5 Year' option exists on the original policy. This is the only cash-in option available for this product.
Automatic Rebalancing option
This statement confirms if this option exists on the original policy.
Withdrawals
If withdrawals do not exist on the original policy, select 'Yes' if you want to illustrate with the introduction of withdrawals. Otherwise, select 'No'.
If withdrawals do exist on the original policy, select 'Yes' if you want to illustrate without withdrawals. Otherwise, select 'No'.
If withdrawals do exist on the original policy, select 'Yes' if you want to illustrate assuming withdrawals proportionately increase. Otherwise, select 'No'.
Changing Fund Details
Select 'Yes', if you wish to illustrate with different Fund Details to those which exist on the original policy. Otherwise, select 'No'.
If Automatic Rebalancing exists on the original policy, you will not be able to select 'Yes' to this question. Please contact your Prudential Account Manager if you wish to change your Fund Details.
Advice Category for Top-Up
Select the appropriate category based on the basis of the sale. Selecting 'advised' will allow appropriate adviser charge details to be entered on subsequent screens. Selecting non-advised will assume no adviser charges are applicable to the sale.
Back
Click on Back to review or amend details previously entered on this illustration.
Next
Click on Next to proceed with the top-up illustration.
Top-up Investment
Has your client taken any withdrawals from any Prudential Bond or Plan within the last 12 months?
If withdrawals have been taken from any Prudential Bond or Plan within the last 12 months (excluding regular withdrawals of 5% p.a. or less), Prudential reserves the right to return the investment to which this illustration refers.
Total Payment (the amount your client wishes to send us)
Please enter the investment amount within the range indicated - if the intended investment is outside this range please contact your Prudential Representative.
Set-Up Adviser Charge options
Select one of the options from the drop-down list to input the amount of Set-Up Adviser Charge to be applied. This will be deducted from the payment amount before investment.
% of total payment - input the appropriate percentage in the input box. The system will calculate and display the amount for verification purposes.
£ amount - enter the amount as a sterling amount
Nil set-up adviser charge - make this selection if there is no set-up adviser charge applicable to the sale.
The amount of set-up adviser charge will be displayed along with the remaining amount to be invested.
Do you intent to Submit Online?
Submitting this business online will result in a lower Annual Management Charge for your client and will be reflected in the illustration.
Back
Click on Back to review or amend details previously entered on this top-up illustration.
Next
Click on Next to proceed with the top-up illustration.
Fund Details
This shows the funds selected for previous investments into the policy. The top-up will be invested in the funds specified. Please ensure that this reflects the desired fund choice before proceeding. The allocation of your client's previous investments will remain unchanged.
Please note that your client cannot invest in any more than ten funds at any one time (including previous investments). The funds previously invested in can therefore be reduced or set to 0% if required, but cannot be completely de-selected.
Unit Linked Only
You can select from one to ten funds from the lists displayed and you will also need to enter an allocation percentage for each fund chosen. The total percentage must equal 100%. For example, you could choose 'Prudential Managed' and '100' or 'Prudential Managed', '50' and 'Prudential Japanese', '50'. Both these selections will show as Unit Linked 100% on the summary page to follow but will display as individual funds and percentages on the printed illustration.
Unit Linked and With-Profits combination
You can also select With-Profits and Unit Linked combination, e.g. 'Prudential Managed' and '75' and 'Prudential Optimum Bonus With-Profits' and '25'. This will be displayed as 'With-Profits 25% Unit Linked 75% on the summary page to follow but again the individual funds will be displayed on the printed illustration.
If one or more of the Distribution Income Funds are chosen, the Distribution Cash Fund will also automatically be added as one of your ten fund choices. Non-protected PruFund Funds each count as two out of the ten fund choices as we will automatically add the relevant PruFund Holding Account to the funds selected.
Protected PruFund Funds are not available for additional investments.
For more information on the funds that are available please refer to the relevant Fund Guide in the Pruadviser Literature Library.
Back
Click on Back to review or amend details previously entered on this top-up illustration.
Next
Click on Next to proceed with the top-up illustration.
Option details
This page allows you to set up or make changes to your client's regular withdrawals arrangements.
Please use this page to indicate the basis for withdrawals for the whole policy.
The current (if any) basis for withdrawals is shown. Please choose a withdrawals basis from the list, indicate the amount or a percentage to be deducted per year and the frequency of payments. These details will be required for the calculation and will be displayed on the summary and printed illustration.
The minimum payment is £50 (except under the Regular Bonus as Income and Natural Income options).
When withdrawals start or change, the amount requested during any 12 month period cannot exceed the greater of 5% of the full value of the plan, or if selected at the start of the plan, 5% of the total amount paid in, except where Natural Income on the Distribution Income Funds or Regular Bonus as Income on the With-Profits Funds has been selected.
Regular Bonus as Income Option
This option is only available for investments in the With-Profits Funds. If the investment is in both With-Profits (Optimum Bonus) & With-Profits (Optimum Return) Funds, the Regular Bonus as Income option will be taken from both funds. If you wish to specify which funds the Regular Bonus as Income option is taken from please call our Illustrations team on 0808 234 0808.
Natural Income
Natural Income is the distribution paid from Distribution Income Funds based upon the amount of income generated by the underlying assets being held (including dividends from equities, coupon payments from fixed interest holdings and lease payments from properties). As Natural Income payments are made based on a fund's earnings, this helps to guard the fund's capital value against erosion from income payments.
5% Cap Option for Natural Income
If Natural Income is selected as the income basis, the income can be capped at 5% of initial investment. If the income exceeds the 5% limit, the additional income will be reinvested into the selected Distribution Income Funds, subject to a minimum of £20. Income amounts below £20 will remain in the Distribution Cash Fund until the next anniversary of the plan.
First Payment Date
Shows the first date withdrawals were paid from this policy. If withdrawals are being set up for the first time on this policy, enter the date the first payment is to be made.
Next Payment Date
Shows the date when the next withdrawal will be paid. If withdrawals are being set up for the first time on this policy, enter the date the first payment is to be made.
Please enter a date in the format DD/MM/YYYY. This date needs to be at least one month and three days from today.
If invested in a Distribution Income Fund, the date must be at least 30 days after the additional investment has been added to the plan and after the next distribution date.
Calculate
Click on this button to calculate the illustration and move to the illustration summary page.
Illustration Summary
Displayed is a review of the details selected for this illustration together with the projected fund figures at year ten.
If any of the details need to be changed you will need to click 'back', change the details and click 'calculate' again. A unique illustration reference number will be allocated each time 'calculate' is clicked.
View Adviser Charge
Click this button to view a summary of the adviser charge details applicable to this illustration. If these need to be changed you will need to click back and return to the adviser charge options page, change the deal applicable and click 'calculate' again.
Back
Click on Back to review or amend details previously entered on this illustration.
Next
Click on Next to move to the Next Steps page where you can print the illustration and product literature, as well as Apply online.
Illustration Next Steps
View Illustration
Click this link to open up a PDF of the full illustration, which you can print or save.
View Application Form
Click this link to open up a partially completed Application Form. This has been part completed with data you have already entered online as part of your illustration request.
Literature
Click this link to access our Literature section where you can print the Key Features and other supporting product literature.
Apply
To proceed with the Online Application for this session, click on Apply. If the illustration has been retrieved, a Recalculate button will show and a message will display requesting you to recalculate before proceeding to Online Application
Back
Click on Back to review or amend details previously entered on this illustration.
Search facility
Please enter data in at least one of the fields so that a Search can be carried out.
It is recommended that you enter a date range to enable a quicker return of information.
Change Adviser
Click this button to change the Agent number used as the basis for the search
Reset
Clicking the Reset button will clear any data entered.
Search
Click Search button to proceed with the search on the data entered.
Top-up Illustration Search Results
Click the button in the Select column beside the Illustration that you wish to retrieve.
View Illustration
Click on 'View Illustration' to view the illustration pdf which you can print or save.
View Application
Click 'View Application' to open up a partially completed Application Form. This has been part completed with data you have already entered online as part of your illustration request.
Retrieve Illustration
Click on 'Retrieve Illustration' to view the data that has been entered online for this Illustration or to Apply Online. You will be directed to the Illustration Summary page where you can proceed to Next Steps in order to recalculate the illustration and Apply Online.
New Search
Click on 'New Search' to return to the Search Facility.
