Scottish Mutual International logo
   
News - 2016  
News Release Date
     
pdf document MVR FB Illustrative Scale applicable from 01/12/2016 2nd December 2016
pdf document MVR FB Illustrative Scale applicable from 01/11/2016 21st November 2016
pdf document SMI Investment Bulletin Q3 2016 20th October 2016
pdf document MVR FB Illustrative Scale applicable from 03/10/2016 20th October 2016
pdf document MVR FB Illustrative Scale applicable from 01/09/2016 9th September 2016
pdf document MVR FB Illustrative Scale applicable from 02/08/2016 23rd August 2016
pdf document MVR FB Illustrative Scale applicable from 01/07/2016 26th July 2016
pdf document SMI Investment Bulletin Q2 2016 12th July 2016
pdf document MVR FB Illustrative Scale applicable from 02/05/2016 13th May 2016
pdf document SMI Investment Bulletin Q1 2016 08th April 2016
pdf document MVR FB Illustrative Scale applicable from 01/04/2016 08th April 2016
pdf document MVR FB Illustrative Scale applicable from 01/03/2016 10th March 2016
pdf document MVR FB Illustrative Scale applicable from 01/02/2016 15th February 2016
pdf document MVR FB Illustrative Scale applicable from 01/04/2016 27th January 2016
pdf document SMI Investment Bulletin Q4 2015 27th January 2016
     
News - 2015  
News Release Date
   
pdf document MVR FB Illustrative Scale applicable from 01/12/2015 07th December 2015
pdf document Important Notice 02nd December 2015
pdf document Latest News: SMI Capital Reduction is approved 24th November 2015
pdf document MVR FB Illustrative Scale applicable from 03/11/2015 05th November 2015
pdf document SMI Investment Bulletin Q3 2015 14th October 2015
pdf document MVR FB Illustrative Scale applicable from 01/10/2015 05th October 2015
pdf document SMI Investment Bulletin Q2 2015 18th September 2015
pdf document MVR FB Illustrative Scale applicable from 01/09/2015 10th September 2015
pdf document MVR FB Illustrative Scale applicable from 07/05/2015 15th May 2015
pdf document MVR FB Illustrative Scale applicable from 01/05/2015 07th May 2015
pdf document SMI Investment Bulletin Q1 2015 15th April 2015
pdf document MVR FB Illustrative Scale applicable from 01/04/2015 08th April 2015
pdf document MVR FB Illustrative Scale applicable from 02/03/2015 04th March 2015
pdf document MVR FB Illustrative Scale applicable from 02/02/2015 04th February 2015
pdf document SMI Investment Bulletin Q4 2014 20th January 2015
pdf document MVR FB Illustrative Scale applicable from 01/01/2015 08th January 2015
   
News - 2014  
News Release Date
   
pdf document MVR FB Illustrative Scale applicable from 01/12/2014 17th December 2014
pdf document MVR FB Illustrative Scale applicable from 01/11/2014 24th October 2014
pdf document MVR FB Illustrative Scale applicable from 01/10/2014 15th October 2014
pdf document SMI Investment Bulletin Q2 2014 9th September 2014
pdf document MVR FB Illustrative Scale applicable from 01/09/2014 3rd September 2014
pdf document MVR FB Illustrative Scale applicable from 01/08/2014 13th August 2014
pdf document SMI Investment Bulletin - Qtr1 - 2014 1st July 2014
pdf document MVR FB Illustrative Scale applicable from 01/07/2014 1st July 2014
pdf document MVR FB Illustrative Scale applicable from 01/06/2014 3rd June 2014
pdf document MVR FB Illustrative Scale applicable from 01/05/2014 1st May 2014
pdf document SMI Investment Bulletin - Qtr 4 - 2013 24th March 2014
pdf document MVR FB Illustrative Scale applicable from 01/02/2014 17th February 2014
pdf document MVR FB Illustrative Scale applicable from 01/01/2014 17th January 2014
     
     
News - 2013  
News Release Date
     
pdf document MVR FB Illustrative Scale applicable from 01/11/2013 11th November 2013
pdf document MVR FB Illustrative Scale applicable from 02/09/2013 30th September 2013
pdf document SMI Investment Bulletin - Qtr 2 - 2013 8th July 2013
pdf document MVR FB Illustrative Scale applicable from 01/07/2013 10th July 2013
pdf document MVR FB Illustrative Scale applicable from 04/06/2013 6th June 2013
pdf document MVR FB Illustrative Scale applicable from 01/05/2013 3rd May 2013
pdf document SMI Investment Bulletin - Qtr 1 - 2013 27th April 2013
pdf document MVR FB Illustrative Scale applicable from 01/03/2013 5th March 2013
pdf document MVR FB Illustrative Scale applicable from 08/02/2013 8th February 2013
pdf document MVR FB Illustrative Scale applicable from 01/02/2013 1st February 2013
pdf document SMI Investment Bulletin - Qtr 4 - 2012 18th January 2012
pdf document MVR FB Illustrative Scale applicable from 02/01/2013 7th Janaury 2013
     
News - 2012  
News Release Date
     
 

Retail Distribution Review 2012

Please note that, following a strategic review, no additional increases to policies will be accepted after 31st December 2012

10th December 2012
     
pdf document MVR FB Illustrative Scale applicable from 03/12/2012 10th December 2012
pdf document SMI Investment Bulletin - Qtr 3 - 2012 9th November 2012
 

The Gender Directive and what it means to you.

What is changing?
The European Court of Justice is to ban the use of gender, as a rating factor, in the pricing of insurance policies from 21 December 2012. This means that, from that date, insurance companies will no longer be able to offer differential pricing rates for males and females.

What does it mean to you?
If you are considering taking out a new insurance product, depending on the type, it may be better in some circumstances to act before the deadline. The Gender Directive is likely to impact on a range of new insurance products e.g. car insurance, annuities, life cover. The full impact on premiums and ratings is currently unknown and may vary by product provider. For example, a male purchasing an annuity may receive a lower annuity income after 21 December 2012, whereas a woman purchasing an annuity after 21 December may receive a higher annuity income. For life cover, premiums may increase for female lives and reduce for male lives after 21 December. This is, of course, dependent on each individual`s circumstances and we urge all customers to seek independent financial advice or comparison quotations before making decisions
Existing policies are less likely to be affected, although if they are reviewed or renewed there may be an impact on the level of future premiums. However, if you request an amendment to your policy, future premiums are more likely to be on Gender neutral rates.

As always, we would encourage our customers to seek independent financial advice when making decisions regarding their financial products .

25th October 2012
pdf document Gender nautral pricing fact sheet  
pdf document MVR FB Illustrative Scale applicable from 03/09/2012 24th September 2012
pdf document SMI Investment Bulletin - Qtr 2 - 2012 24th August 2012
pdf document MVR FB Illustrative Scale applicable from 01/08/2012 2nd August 2012
pdf document MVR FB Illustrative Scale applicable from 02/07/2012 2nd July 2012
pdf document MVR FB Illustrative Scale applicable from 01/06/2012 1st June 2012
 

The Gender Directive and what it means to you.

What is changing?
The European Court of Justice is to ban the use of gender, as a rating factor, in the pricing of insurance policies from 21 December 2012. This means that, from that date, insurance companies will no longer be able to offer differential pricing rates for males and females.

What does it mean to you?
If you are considering taking out a new insurance product, depending on the type, it may be better in some circumstances to act before the deadline. The Gender Directive is likely to impact on a range of new insurance products e.g. car insurance, annuities, life cover. The full impact on premiums and ratings is currently unknown and may vary by product provider. For example, a male purchasing an annuity may receive a lower annuity income after 21 December 2012, whereas a woman purchasing an annuity after 21 December may receive a higher annuity income. For life cover, premiums may increase for female lives and reduce for male lives after 21 December. This is, of course, dependent on each individual`s circumstances and we urge all customers to seek independent financial advice or comparison quotations before making decisions
Existing policies are less likely to be affected, although if they are reviewed or renewed there may be an impact on the level of future premiums. However, if you request an amendment to your policy, future premiums are more likely to be on Gender neutral rates.

As always, we would encourage our customers to seek independent financial advice when making decisions regarding their financial products .

25th May 2012
pdf document Gender nautral pricing fact sheet
pdf document Principles and Practices of Financial Management - SMI Dublin With Profits Fund 30th April 2012
pdf document SMI Investment Bulletin - Qtr 4 - 2011 12th April 2012
pdf document SMI Investment Bulletin - Qtr 1 - 2012 30th March 2012
pdf document MVR FB Illustrative Scale applicable from 13/03/2012 13th March 2012
pdf document SMI Investment Bulletin - Qtr 3 - 2011 13th February 2012
pdf document MVR FB Illustrative Scale applicable from 01/02/2012 1st February 2012
pdf document MVR FB Illustrative Scale applicable from 03/01/2012 4th January 2012
     
News - 2011  
News Release Date
     
pdf document MVR FB Illustrative Scale applicable from 01/12/2011 1st December 2011
pdf document MVR FB Illustrative Scale applicable from 01/11/2011 1st November 2011
pdf document MVR FB Illustrative Scale applicable from 03/10/2011 3rd October 2011
pdf document MVR FB Illustrative Scale applicable from 01/09/2011 1st September 2011
pdf document SMI Investment Bulletin - Qtr 2 - 2011 18th August 2011
pdf document MVR FB Illustrative Scale applicable from 02/08/2011 2nd August 2011
pdf document MVR FB Illustrative Scale applicable from 01/07/2011 1st July 2011
pdf document MVR FB Illustrative Scale applicable from 01/06/2011 1st June 2011
pdf document Principles and Practices of Financial Management - SMI Dublin With Profits Fund 20th May 2011
pdf document SMI Investment Bulletin - Qtr 1 - 2011 21st April 2011
pdf document MVR FB Illustrative Scale applicable from 01/04/2011 1st April 2011
ECJ Ruling

You may have heard in the news that the European Court of Justice (ECJ) is to ban the use of gender in insurance policies from the 21st of December 2012. This means that from that date Insurance Companies will no longer be able to offer different rates for males and females.

Phoenix will be studying the judgement in detail in order to understand how the decision affects our 6 million customers. While we will be compliant with the court's decision by 21st December 2012, we are not yet in a position to communicate the practical implications but will of course do so when these are known.

As always we would encourage Customers to seek independent financial advice when making decisions regarding their financial products.

1st Mar 2011
pdf document MVR FB Illustrative Scale applicable from 01/03/2011 1st March 2011
pdf document MVR FB Illustrative Scale applicable from 01/02/2011 1st February 2011
pdf document MVR FB Illustrative Scale applicable from 04/01/2011 4th January, 2011
     
News - 2010  
News Release Date
     
pdf document December 2010 - Investment Bulletin 25th January 2011
pdf document MVR FB Illustrative Scale applicable from 29/11/2010 29th November 2010
pdf document September 2010 - Investment Bulletin 14th October 2010
pdf document MVR FB Illustrative Scale applicable from 20/09/2010 20th September 2010
pdf document MVR FB Illustrative Scale applicable from 23/08/2010 23rd August 2010
pdf document June 2010 - Investment Bulletin 30th July 2010
pdf document MVR FB Illustrative Scale applicable from 01/07/2010 1st July 2010
pdf document 2009 Financial Statements 24th June 2010
pdf document MVR FB Illustrative Scale applicable from 04/05/2010 4th May 2010
pdf document March 2010 - Investment Bulletin 13th April 2010
pdf document MVR FB Illustrative Scale applicable from 04/03/2010 4th March 2010
pdf document MVR FB Illustrative Scale applicable from 04/01/2010 4th January 2010
 
News - 2009
News Release Date
     
pdf document Investment Bulletin - December 2009 19th January 2010
pdf document MVR FB Illustrative Scale applicable from 07/12/2009 7th December 2009
pdf document MVR FB Illustrative Scale applicable from 04/11/2009 4th November 2009
pdf document Investment Bulletin - September 2009 9th Ocbober 2009
pdf document MVR FB Illustrative Scale applicable from 01/10/2009 1st October 2009
pdf document MVR FB Illustrative Scale applicable from 17/08/2009 17th August 2009
pdf document MVR FB Illustrative Scale 20th July 2009 20th July 2009
pdf document June 2009 - Investment Bulletin 20th July 2009
pdf document MVR FB Illustrative Scale 1st July 2009 1st July 2009
pdf document Policyholder Dublin With-Profit Letter June 2009 (English Version) June 2009
pdf document Policyholder Dublin With-Profit Letter June 2009 (German Version) June 2009
pdf document Policyholder Dublin OLAB With-Profit Letter June 2009 (English Version) June 2009
pdf document Policyholder Dublin OLAB With-Profit Letter June 2009 (German Version) June 2009
pdf document MVR FB Illustrative Scale 22nd June 2009 22nd June 2009
pdf document MVR FB Illustrative Scale 15th May 2009 15th May 2009
pdf document MVR FB Illustrative Scale 5th May 2009 5th May 2009
pdf document March 2009 - Investment Bulletin March 2009
pdf document MVR FB Illustrative Scale 23rd March 2009 23rd March 2009
pdf document MVR FB Illustrative Scale 2nd January 2009 2nd January 2009
pdf document 2008 Financial Statements January 2009
     
News - 2008
News Release Date
     
pdf document MVR FB Illustrative Scale 8th December 2008 8th December 2008
pdf document MVR FB Illustrative Scale 20th October 2008 20th October 2008
pdf document MVR FB Illustrative Scale 29th September 2008 29th September 2008
pdf document MVR FB Illustrative Scale 22nd July 2008 22nd July 2008
pdf document MVR FB Illustrative Scale 1st July 2008                        1st July 2008
pdf document Policyholder Dublin With Profit Letter May 2008 May 2008
pdf document Policyholder Dublin OLAB With Profit Letter May 2008 May 2008
pdf document Sale of Resolution Plc 1st May 2008 1st May 2008
pdf document MVR FB Illustrative scale March 2008 March 2008
pdf document Illustrative With Profits MVR and Final Bonus Rates, SMI - 24th  January 2008   24th January 2008
pdf document Illustrative With Profits MVR and Final Bonus Rates, SMI January 2008  24th January 2008
pdf document 2007 Financial Statements January 2008
     
News - 2007
News Release Date
     
pdf document MVR FB Illustrative scale November 2007 November 2007
pdf document llustrative With Profits MVR and Final Bonus Rates, SMI July 2007 2nd July 2007
pdf document Policyholder Dublin OLAB With Profit Letter May 2007 May 2007
pdf document Policyholder Dublin With Profit Letter May 2007 May 2007
pdf document SMI Intermediary Fund Performance April 2007 April 2007
pdf document Intermediary Fund Performance Q & A April 2007 April 2007
     
News - 2006
News Release Date
     
pdf document Customer Friendly PPFM September 2006 September 2006
     

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Scottish Mutual International Designated Activity Company is regulated by the Central Bank of Ireland and is registered in Ireland (Company No. 242244). The company`s registered office is Block 2, Harcourt Centre, Harcourt Street, Dublin 2, Ireland. An up-to-date list of its directors, containing the particulars required by paragraphs (a), (b) and (c) of Section 151(1) of the Companies Act 2014, is available upon request from the company's registered office.