As from 30 October 2008, we have temporarily withdrawn the Riley bond from the market. This is because the recent extreme and unprecedented levels of stockmarket volatility have resulted in a significant increase in the cost of protection. Therefore any changes to existing bonds which result in an increase to the protected amount are not permitted.

As a result, the following options are currently unavailable: Key existing business illustrations; Increment only projection for an additional payment and Key additional payments.

The cost of protection is monitored on a regular basis and we will seek to re-open bonds to all functionality once the cost of protection has returned to more normal levels.  It is impossible to say when that will be at the moment. 

Here's a summary of what you can do as a policyholder once you log in to our online services area:

• View Personal & Plan details
• View fund value(s) and breakdown
• View Death Claim value
• View payment history
• View transaction history

• Straight projection to current insured date
  (The date can only be put forward, not brought back)
• Straight projection to altered insured date
• Projection following a switch

• Key changes to personal details of bond owners (1)
• Add/remove bond owners (1)

Change investments

• Switch investments (2)
  (Switches to increase protected amount are not permitted)
  
• Change Minimum Bond Value (2)
  (Protected amount can only be reduced, not increased)
  
• Change Insured Term
  (Term can only be increased, not reduced)

• Notification of death (3)
• Key partial cash-in (3)
• Key full cash-in (3)
• Key new/stop or alter existing regular withdrawal instruction (3)

• View statements