Candid Capture - Record your subject in its natural settings without revealing that they are on camera. Much has happened since the announcement by the ex-Chancellor Kwasi Kwarteng on 23 September, culminating with the new Chancellor, Jeremy Hunt, reversing or amending the majority of the proposed changes and setting a new path forward. Government actions continue to have a significant impact on the financial markets and related sentiment, affecting all of us, including our investments and are sure to continue to dominate headlines, which we will all have seen. There may be an initial charge on some funds before we buy units. You’ll find more information in your plan’s key facts and terms and conditions. Fund transaction charges

We have reviewed the charges that apply to our funds to ensure they are in line with the investment expenses we incur in managing them. Following the latest review, the charges on some funds have changed from 25 November 2019. We believe that our funds continue to offer good value for money to our customers. Whether you need someone to access your information, act on your behalf, or if you need to access information for someone else, we’re here to help. Delivery Proof - If you deliver goods or food for a living it’s a sure way to prevent discrepancy by recording every delivery. We’ve updated the investment objectives of the Zurich-managed Property funds to allow them to invest in residential property and hotels. This is to adapt the fund to changes in the way we live with more people working from home and shopping on-line as the population grows and ages. This helps spread the risk that any individual asset class may adversely impact the fund. Mini-budget 2022 and subsequent events – impact on the financial markets and your investment with us Our opening hours are 8.30AM to 5.30PM Monday to Friday and 09.30AM to 12.30PM Saturday, excluding Bank Holidays.The funds in the link above are global equity and emerging market funds which continue to operate as normal. Where a fund had Russian exposure any drop in value will already be reflected in current valuations. If your overall portfolio includes a range of funds, it is likely that the Russian exposure is only a small part of its overall value. Switching into, or out of, these funds will neither increase or reduce exposure to Russian investments whilst they are unable to be traded. Whether you need someone to access your information, act on your behalf, or if you need to access information for someone else, we’re here to help. If you need someone to access information on your behalf We’ve written to all affected customers confirming the changes which have taken place. We’ll write again when there is a significant change or update to the fund.

For details of the charges Zurich take for your plan take a look at your plan’s key facts and terms and conditions. Fund changes - November 2019

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The retirement age we currently hold for you can be found on your latest statement. If this is no longer correct, please get in touch to tell us. Retirement benefits can normally be taken from age 55 apart from certain circumstances such as serious ill health. If this is the case, please get in touch. to sponsor any matter concerning the welfare of members or their dependants and organise comfort and aid.

The amount you get from your investment plan will depend upon the performance of the funds your plan is invested in. It is important that you choose funds that are right for your circumstances, investment objectives and attitude to risk. Over time these may change, so it is important to regularly review your fund choices. We do not charge you for changing your fund choices.The Zetronix zPen-1080 is a slim writable pen housing a tiny camera with HD Video & Audio capabilities. The slim pen records video at 1920x1080 resolution with crystal clear audio. Reliable operation and rugged internal components have led this to be the pen of choice by police departments such as the NYPD, government agencies, and private investigators. The laser etched glass lens allows maximum light to enter the tiny unnoticeable pinhole camera to produce an extremely clear a vivid picture. The zPen-1080 is truly remarkable with a variety of modes; video recording with audio, still photos camera to snap clear detailed images or voice recording. Some funds, mainly emerging market funds, will have an exposure to Russia. A list of these funds, with an approximate percentage exposure to Russia, can be found in the link below:

A letter of authority allows someone you trust to access your financial information. Once we receive a completed letter of authority from you, we can share information with them. If you need someone to act on your behalf, we will need to receive a lasting power of attorney. You can find out more about this, including costs, in our guide. Every pensioner of Zurich Financial Services is eligible to join. This includes former employees of Eagle Star or Zurich Financial Services The remaining funds in the link above are global equity and emerging market funds which continue to operate as normal. Where a fund had Russian exposure any drop in value will already be reflected in current valuations. If your overall portfolio includes a range of funds, it is likely that the Russian exposure is only a small part of its overall value. Switching into, or out of, these funds will neither increase or reduce exposure to Russian investments whilst they are unable to be traded. Review your current fund choice and let us know if you want to change it. We will write to you regularly with information on your fund choices.Combining your pension pots could make it easier for you to choose the retirement option when the time comes. Let us know what age you intend to take retirement benefits from your plan (you can change this at any time). We will get in touch with you as you approach your chosen age with the options available to you. Each year you will receive a pension statement to tell you how your pension plan is doing. For more information about your statement follow the link below. Watch over your kids. – Kids can be camera shy when they know they are being recorded, record them naturally to capture precious moments of goofiness and joy