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Comprehensive, third party, fire and theft or third party only car insurance. Premium based on risk profile.
In the interest of greater transparency and of good governance, Old Mutual publicises the principles and practices of financial management (PPFM) that are applied in the management of its discretionary participation business. This is in line with the requirements of the Financial Services Board (Directive 147.A.i LT). The principles and practices of financial management are applicable to both Retail and Corporate clients.
Discretionary participation business is essentially business where policyholders participate in the returns earned, and where the insurer has discretion in some key areas that affect policy benefits, such as how the assets backing the policies are invested and how bonuses are declared.
The purpose of the PPFM is to explain how Old Mutual exercises its discretion in managing discretionary participation business.
The PPFM does not alter the contractual rights and obligations which Old Mutual or its clients have under policies which Old Mutual has issued or acquired. Should there be any conflict between the PPFM and the policy contract, the policy contract will prevail.
The Principles and Practices are applicable to both Retail and Corporate clients.
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