text:
How to Make Claim
Canada Life Pension Managers and Trustees (CLPMT)
International Core Fund Range
Life and Pension Fund Range
International Open Investment Range
Deposit Rates - Isle of Man
Deposit Rates - Ireland
International Core Plus Fund Range
Canada Life Investments
OEIC Information
Canlife Portfolio Funds
Platform Relationships
Discretionary Fund Managers
FCA ScamSmart
Scottish Friendly Transfer
Are you looking to understand more about one of our products, or do you need further information on the processes and practices at Canada Life? Use this page to easily select the category and/or product region to find what you need. We also have a glossary that may help with some of the key terms used across the site.
Question Category Question Category Anti-Money Laundering Brexit Claims Claims - Retirement Complaints Corporate FATCA Fixed Term Income Plan Flexible Drawdown Plan Flexible Life Plan - Policy Maintenance Pension Investment Plan Policy Maintenance Servicing The Retirement Account
Business Solution Area Business Solution Area Group International Onshore
Can I switch the funds my policy / account is invested in?
How do I change address?
How do I change bank account details?
How do I change my Direct Debit?
Change of name?
Changes to country of residence?
How can I change my professional adviser?
What is the Foreign Account Tax Compliance Act (FATCA)?
39 FAQs found
Brexit - What's happening?
Since the UK voted to leave the European Union (EU), the two sides have been negotiating the terms of the UK's withdrawal and its future relationship with the EU. There is still a great deal of uncertainty about the final outcome and we continue to monitor the situation closely, including ensuring that our international business can continue to offer the choice of Isle of Man and Ireland jurisdictions to advisers and clients, and to be able to service our customers as we do now.
The answers in this Brexit Q&A are based on our current understanding of the situation and are subject to change as the date of withdrawal comes nearer. If you have any other questions you should speak to your adviser as they will have the best understanding of your personal financial situation.
Can I change from premium payment from yearly to monthly for my Flexible Life Plan? (Isle of Man)
Yes – but only on the policy anniversary.
Can I change the frequency of my payments?
"Pension Investment Plan (PIP) / Flexible Drawdown Plan (FDP) - Our contact details section provides you with the ways in which you can contact us. To change the frequency of your payments, you can use any of these methods. We will then send you a quotation and the relevant form.
Fixed Term Income Plan (FTIP) - The frequency or due date of the payments cannot be amended."
Can I switch the funds my policy / account is invested in? (UK)
We strongly suggest that you speak to a professional adviser before making any changes to where your funds are invested. If you do not have a professional adviser you can find one by going to www.unbiased.co.uk or by calling them on 0330 1000 755.
You can switch funds by completing our Fund switch and redirection request form and returning it to us in the post or by a scanned email. Switch requests have to be received by 3pm to get the next working day's price date.
WARNING – Not all of our funds are available to all of our plans to invest in. If you are not sure which funds are available for your plan, please contact our Customer Service team on 0345 606 0708.
How and when can I change premiums? (Isle of Man)
Please write to Canada Life International or email focus@canadalifeint.com for a written quote.
Correspondence can be sent to Canada Life International, Canada Life House, Douglas Business Park, Douglas, ISLE OF MAN, IM2 2QJ.
How can I change my professional adviser? (Group)
If a company changes its financial adviser, we need written confirmation in the form of a letter of appointment. To be accepted, this letter needs to be on company-headed paper and be signed by a senior figure whose job title is specified on the letter. The letter should confirm the new adviser and the date from which their appointment takes effect, and be posted to our Bristol office:
Canada Life Group Insurance, 3 Rivergate, Temple Quay, Bristol BS1 6ER.
How can I change my professional adviser? (Isle of Man)
We need a signed letter from all policyholders / trustees and we are able to accept scanned or faxed copies. Alternatively please complete the Change of Servicing Agent form.
If we do not have all the required signatures we will write out to the main correspondence address and request the remaining signatures.
Please note that if there is existing servicing commission being paid on the policy we are able to transfer this to the new professional adviser however this amount cannot be altered, it must be the same, and the instruction must clearly state that this is to be transferred. If it does not then it will cease and no longer be available on that plan.
For existing ongoing adviser charges, we are able to transfer as long as the instruction clearly states this however if the amount is to be altered we will require a separate instruction.
If there are no servicing commission or adviser charges currently being paid on the policy then an instruction to commence adviser charges will be required and if PRE RDR the plan will need to be converted to RDR compliant (dependant on if product allows).
How can I facilitate/cancel an adviser charge to my Servicing Agent? (Isle of Man)
We need a signed letter from all trustees to facilitate or cancel an adviser charge or please complete and sign the Change of Servicing Agent form.
How can I request or change income from the plan?
Pension Investment Plan (PIP) / Flexible Drawdown Plan (FDP) - We strongly suggest you contact Pension Wise which is a free and impartial government service that helps you understand your pension options. You can get guidance on the Pension Wise website, over the phone, or face to face.
We also strongly suggest that you get financial advice from an authorised professional adviser who will be able to discuss the various options with you.
Our contact details section provides you with the ways in which you can contact us. To get a quotation and an application form you can use any of these methods. Please let us know the new level of income you want to take.
Fixed Term Income plans (FTIP) – the income being paid from the plan cannot be amended.
How do I change my / our address? (Group)
If any insured company moves office, we need to be advised in writing. This can be emailed to groupcsc@canadalife.co.uk or by physical post to our Bristol office:
We will advise if the change of location has any effect on the policy terms and conditions.
How do I change my / our address? (Isle of Man)
We need a signed letter by the policyholder(s) and / or all trustees or complete the Change of contact details form found by clicking here.
If we receive an instruction from a Professional Adviser which isn't signed by the client(s) we write to the client(s) at their new address requesting that they sign the letter and return to our office to confirm.
If the policy is held in trust we can accept signed confirmation from the lead trustee in order to change the main correspondence address. We do not need signed confirmation of the change of address from all trustees.
How do I change my / our address? (UK)
You can let us know either by phone, email, fax or letter. If you choose to write then please make sure all policy owners sign the letter. If you call us, we will need to speak to all policy owners.
Alternatively, you can complete and return our Change of address form.
How do I change my bank account details for payments I receive from you? (UK)
Please complete and return our change of bank details form and return it to us by post. Alternatively, you can write to us with your new bank account number, sort code and account holder's name, but please make sure your letter includes your signature.
We can only make payments to a bank account in your name. We cannot make payments to a third party.
How do I change my bank details for payments I make to you? (UK)
Please complete and return our direct debit mandate form and return it to us. Alternatively, you can write to us with your new bank account number, sort code and account holder's name, but please make sure your letter includes your signature.
If your policy premium changes for any reason, we will amend the Direct Debit. We always send a letter no less than two weeks before collecting any payments, in case there are any questions or concerns which need to be addressed.
How do I change my Direct Debit? (Isle of Man)
For our Direct Debit Mandate, please click here
How do I make a complaint? (Retirement Account & ex-Retirement Advantage legacy policies)
To make a complaint, please contact us by one of the following ways:
Email customers.ra@canadalife.co.uk
Call 0800 032 7690 - 8am to 6pm Monday to Friday. If we've been able to resolve your complaint immediately we will send you a written resolution letter within 3 working days.
If we cannot resolve your complaint immediately, we'll write to you within 5 working days acknowledging your complaint and explaining the next steps. We will investigate your complaint thoroughly. We'll write to you again if your complaint is still unresolved after eight weeks of initially receiving your complaint. Our letter will explain the reason for the further delay and let you know when we expect to be able to provide a final response. We'll also explain what action you may take if you are dissatisfied with the progress of the investigation.
When we've concluded our investigation into your complaint, we'll explain our decision in writing.
If after 8 weeks we have been unable to satisfy your complaint, or haven't sent you our final response, you can write to the Financial Ombudsman:
Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
Website: financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
However, the Financial Ombudsman is unable to deal with your complaint unless you've first given us the chance to put things right.
We've made our complaints procedure easy to follow, so that you should not have to use a solicitor or seek professional help. If you choose to do this, you'll be responsible for the costs.
For further information please talk to your financial adviser.
How do I make changes to my policy?
Employers or their financial advisers may request changes to a policy in writing. Please note that we cannot change a policy from a date earlier than when we are first notified, so it is important to make us aware of any changes as early as possible. It is acceptable to advise us of an upcoming change even if the details are not completely final.
How does my tax code change? (UK)
HM Revenue and Customs (HMRC) let us know directly of any changes to your tax code. If you would like to query the tax code we are using you should call HMRC on 0300 200 3300.
How does the accounting work?
Employers choose a date when the policy is set up on which we will produce a statement of account each year. We will need updated membership data to complete the statement. The statement will also include a review of the previous year and provide a final cost including any changes which happened in that period of time.
"Pension Investment Plan (PIP) / Flexible Drawdown Plan (FDP) are designed so that you can take out as much or as little income as you like from your overall fund value. This income can be taken whenever you want for a FDP and from age 55 for a PIP.
Fixed Term Income Plans (FTIP) have fixed payments and these cannot be changed."
How would a no-deal Brexit affect Canada Life?
For Canada Life Limited
For individuals residing outside the UK we are no longer accepting new business applications for Annuities, Pensions, Drawdown (including the Fixed Term Income Plan) or Onshore Bonds. This follows guidance from the European Insurance and Occupational Pensions Association (EIOPA) suggesting that in the event of a no-deal Brexit, UK providers would need to apply for direct authorisation to sell to residents within each member state. Whilst the original date for the UK's departure from the EU has passed, the final terms of a negotiated or no-deal withdrawal are not yet clear. We will maintain our current position of not accepting new business from non-UK residents for annuities, pensions, drawdown (including the Fixed Term Income Plan) and onshore bonds. We continue to monitor the situation and, once the terms of the withdrawal are finalised, we will be able to make a decision on whether to accept applications from non-UK residents.
If you bought your policy in the UK and have since permanently relocated to a different country in the EU or the wider European Economic Area (EEA) (which includes Norway, Iceland and Liechtenstein, as well as all countries in the EU), or if you think you will do so in the future, or if you bought your policy while living in the EU/EEA, the outcome of the Brexit negotiations and the approach taken by the EU/EEA regulators may affect your policy. We don't yet know what the approach of these regulators will be but we are committed to meeting our contractual obligations, including making payments to policyholders. We will consider any changes that may be required when we have more clarity.
A no-deal withdrawal would not change our Group Protection range. Seconded employees would remain covered by their UK plan but permanent employees will require further consideration. The approach is to consider permanent employees as an exception, rather than standard, and we will continue to consider requests on a case by case basis.
Life assurance (death in service pensions)
For Canada Life International Limited and CLI Institutional Limited policyholders
The Isle of Man is not part of the EU/EEA today and therefore we see no change to the trading relationship between the Isle of Man and the UK as a result of Brexit, a view shared by the Isle of Man government. As such we expect business to carry on as normal through Canada Life International Ltd and CLI Institutional Ltd.
For Canada Life International Assurance (Ireland) DAC policyholders
Canada Life International Assurance (Ireland) DAC (CLIAI) is an Irish authorised life assurance company and will continue to be Irish-authorised post-Brexit. It will therefore be subject to the same EU regulatory regime as currently applies. It will also remain open to new business in the event of a negotiated or a no-deal Brexit. We believe it is important to provide comfort to both our policyholders and advisers of our commitment to ensuring that existing policies will remain valid and enforceable after Brexit and that new policies post-Brexit will also be valid and enforceable. We aim to ensure that our international business can continue to offer the choice of Isle of Man and Ireland jurisdictions to advisers and clients, and to be able to service our customers as we do now.
One aspect we expect will change relates to the Financial Services Compensation Scheme (FSCS). The FSCS currently provides protection for UK-resident policyholders of EU-authorised life assurance companies, such as CLIAI, in the event that the company is unable to meet its financial commitments. The regulators and UK government are still consulting on whether this scheme will continue to apply to policyholders of companies such as CLIAI following Brexit. However, it is our current planning assumption that CLIAI policyholders resident in the UK will no longer be covered by the FSCS once the UK leaves the EU fully, whether on the exit date in the event of a no-deal withdrawal or, if applicable, at the end of any implementation period. You can be reassured that CLIAI is a well-capitalised company and benefits from being a part of a strong group. Its parent, the Great-West Lifeco Group, has over £807bn in consolidated assets under administration (as at 31 Dec 2018), and we are confident that the risk of policyholder loss from being unable to meet our financial commitments is remote.
I live in a different EU / EEA country; will you continue to pay my annuity?
Most customers' policies will not be affected by Brexit. If you bought your policy in the UK, still live in the UK and intend to stay in the UK then we are not expecting Brexit to have any impact on your policy.
If you bought your policy in the UK and have since permanently relocated to a different country in the EU or the wider European Economic Area (EEA) (which includes Norway, Iceland and Liechtenstein, as well as all countries in the EU), or if you think you will do so in the future, or if you bought your policy while living in the EU/EEA, the outcome of the Brexit negotiations and the approach taken by the EU/EEA regulators may affect your policy. We don't yet know what the approach of these regulators will be but we are committed to meeting our contractual obligations, including making payments to policyholders. We may need to transfer the policy to one of our Ireland based insurance affiliates to service. For policyholders whose policies transfer in these circumstances, there would be no change to the way their policy works or the level of service they receive.
Is my policy safe/secure?
For Canada Life Limited policyholders
Is there an overall maximum purchase amount of annuity I can buy? (Retirement Account)
The current maximum amount is £3 million, which may change in the future. The maximum amount applies to all guaranteed annuities (purchased within The Retirement Account or standalone Guaranteed Annuity) you have bought with MGM Advantage Life Limited (Previously trading as MGM Advantage or Retirement Advantage).
Should I change where I'm invested or switch into something less risky?
We cannot provide advice, so if you are concerned about any potential impacts of Brexit on investments, or are thinking about making any changes, you should speak to your adviser first.
What are my retirement options?
"Pension Investment Plan (PIP) / Flexible Drawdown Plan (FDP) - We strongly suggest you contact Pension Wise which is a free and impartial government service that helps you understand your pension options. You can get guidance on the Pension Wise website, over the phone, or face to face. We also strongly suggest that you speak to an FCA authorised professional adviser who will be able to discuss the various options with you. From age 55 you can:
- Use your policy to provide a flexible retirement income.
- Use it to buy a guaranteed income for life.
- Take it all as cash in one go.
- Take it as smaller cash sums in stages.
- Combine any of the above options.
If you would like Canada Life to provide you with more information on your options, please contact us on any of the methods provided on our contact details section.
Fixed Term Income Plans (FTIP) – These plans have fixed payments that cannot be changed. If you have selected a guaranteed maturity value, then once you have reached your maturity date the same options as the PIP and FDP (shown above) are available to you."
What are the charges? (Retirement Account)
All of the charges outlined below are detailed in your personal illustration.
Adviser Fees
Adviser fees are charges for the financial advice you have received. You can pay for the advice by agreeing to have it deducted from the fund we receive from the transferring scheme(s). This will reduce the amount available to buy benefits in your Retirement Account. If you hold investments in your Retirement Account you may also agree a regular ongoing fee and there may be other one-off fees that you'll need to agree with your adviser. These fees will be paid for by deductions from your investments which will affect the value of your funds in the future.
We make a drawdown charge when you move any uncrystallised funds under your Retirement Account into Pension Drawdown. This could be at the outset of your Retirement Account or later when you crystallise any Pension Savings you hold. The charge will also apply separately to each Pension Drawdown arrangement that originates from already crystallised pension transfer monies.
If you hold investments under your Account there is also an annual charge, which is deducted monthly and is taken from your investments. Both charges are outlined in your personal illustration and The Retirement Account Technical Summary.
We can make changes to the drawdown charge and annual charge and to other charges associated with your Retirement Account such as the cost of making ad-hoc income payments by electronic bank transfer, or to the cost of the investment funds available. We will give you notice of any change at least 60 days in advance. Our current charges can be viewed here.
Annual Management Charge (AMC)
An annual investment charge will be deducted, on a daily basis, in determining the unit price of each investment fund. There may also be additional expenses which are taken directly from the investment funds, or from the underlying investments of the investment funds. These additional expenses are the normal costs, taxes, duties and other charges incurred in holding, purchasing, managing and selling the assets of the investment funds. Find out our charges that are currently applied to any investment funds here.
What do we need to appoint a Fund Adviser? (Isle of Man)
We require the relevant sections of the Investment Administration Form to be completed in order to appoint a Fund Adviser on the plan. Once this has been received we will update the plan accordingly and issue confirmation letters.
We cannot accept a client letter or instruction on a change of broker request to switch Fund Adviser. We must have an investment admin form.
What documentation is required for a change of name? (Group)
If a company changes name, we need to be advised in writing. This can be by email to groupcsc@canadalife.co.uk or by physical post to our Bristol office:
If cover is transferring to a different company, such as after an acquisition, we may have additional requirements.
What documentation is required for a change of name? (Isle of Man)
We need a signed letter (including new and old signature) to change the name, along with up to date anti-money laundering. In addition, please complete the form found by clicking here.
In order to change a client's name we require either the original or a suitably certified copy of the evidence of the change of name i.e. Marriage Certificate for surname, along with a Specimen Signature Form if they hold a role on the policy where they are required to sign any instructions i.e. policyholder, trustee.
What documentation is required for a change of name? (UK)
You will need to provide us with formal documentation confirming the change of name. This should be sent to us with either a signed letter or a completed change of name form. Please read our Change of name guidance notes for further information.
Please send these documents by post, to Customer Services Department, Canada Life Limited, Canada Life Place, Potters Bar, Hertfordshire, EN6 5BA.
We will return any original documents by recorded delivery.
What happens if I bought my policy in the UK and have since moved abroad?
What if I change my mind? (Retirement Account)
You have the right to cancel at any time up to 30 days from receiving your schedule of benefits. We will write to you and provide a notice about your right to cancel. You need only return this cancellation notice if you wish to cancel your Retirement Account.
If you decide to cancel your Retirement Account, you must return the cancellation notice within 30 days. You must also return any money received, including any tax-free cash payments. Cancellation notices must be returned to:
Canada Life Customer Services, PO Box 4993, Worthing, BN99 4AE.
What is required if a client changes their country of residence? (Group)
Our Group policies are intended for UK individuals and are governed by English law. If a company moved out of the UK, the availability of cover would need to be reviewed.
If individuals within a company leave the UK on a temporary or permanent basis, we may be able to continue cover in certain circumstances.
What is required if a client changes their country of residence? (Isle of Man)
If a client has changed their country of residence please call us on 01624 820200. We will need to review our requirements and confirm any additional paperwork required against the specific country they have moved to.
When can I start to take money from my plan?
Pension Investment Plans (PIP) are designed to invest for your retirement. At age 55 you can start taking your benefits from this plan. If you are in ill health it may be possible to take your benefits before age 55.
Flexible Drawdown Plans (FDP) - you can take your benefits at any stage.
Fixed Term Income Plans (FTIP) are set up to pay a guaranteed income and cannot be changed.
When do we need Foreign Account Tax Compliance Act (FATCA) information? (Isle of Man)
We require the relevant FATCA form to be completed at any 'trigger event'. The information should be submitted for both the old, new and on-going policyholders. From a Policy Servicing point of view we require them to be completed in the following instances:
Placing a policy into Trust.
Adding/Removing a trustee.
Adding Beneficiary (if US national/resident).
Bank Assignment.
Power of Attorney appointment.
Change of address when they are changing their country of residence.
Change of name (if US national/resident).
Will you be writing to customers?
We will write to customers when there is greater clarity on the post-Brexit position and if there are any changes that impact their policy.
Absolute Trust
Another name for a Bare Trust. A trust where the beneficiaries have a fixed interest in the trust fund and the sole duty of the trustees is to hold that property for the beneficiary. Is also known as a Bare Gift Trust.
The arrangement where investment funds and charges are processed.
Accrual rate
The rate at which an individual builds up pension benefits, and is usually expressed as a percentage or a fraction.
Accrued Benefit
The financial benefit you have earned to date, payable on your Normal Retirement Date.
Accumulation units
Units where net income is automatically reinvested to purchase more underlying investments for the fund. This is reflected in an increase in the unit price.
Actively at work requirements
A set of terms which can be applied to groups of employees when full medical underwriting is not warranted.
Additional Policy Schedule
The separate document that may be issued when an Additional Premium is accepted. It contains specific information relevant to the Additional Premium.
Additional Premium
Any additional payments invested in a policy after it has started. Also known as a top-up.
Additional Rate Tax
The income tax rate (45%) payable on income above £150,000 a year.
Additional Voluntary Contributions (AVCs)
Members of defined benefits pension schemes are able to pay more into their scheme via AVCs, and can gain greater benefits in return.
Adviser Charge
The fee charged (where applicable) by a professional adviser in relation to the investment made or any other service provided which has been arranged in advance with a professional adviser.
Age 18 to 25 trust
This is a discretionary trust where the property is held on trust for the benefit of someone aged between 18 and 25. When the property leaves the trust on or before the 25th birthday an inheritance tax charge may occur.
Inappropriate use of alcohol which leads to an insured illness. (Group Critical Illness)
Amount Invested
The amount of the payment applied to an investment policy.
The anniversary of when a policy began.
Annual Allowance
The annual limit set by HM Revenue & Customs on the amount of pension savings that benefit from tax relief.
Annual revision date
The date from which premiums are recalculated each year.
The person receiving annuity payments.
An annuity is a guaranteed regular income payable to you for your lifetime and, if chosen, the lifetime of your spouse. It can be paid on a monthly, quarterly, half-yearly or yearly basis and can include a number of features such as guaranteed payment periods. Income from an annuity can remain level or escalate if so chosen at outset.
Annuity Commencement Date
The date on which annuity payments begin.
Annuity Rate
The rate applied to the amount invested to calculate an annuity.
Dividing an investment among several securities or asset classes (for example: shares, commercial property, a deposit account or fixed income stock) in order to pursue investment objectives, such as producing income, targeting future expenditure or balancing risk and return.
Category of investments that have similar risk and return characteristics; for example, equities.
The investments that make up a fund. For example, shares, commercial property, a deposit account or fixed income stock.
A way of legally transferring the ownership of a policy to someone else; to do this a deed of assignment has to be completed.
Assignment into trust
An existing policy can be put under trust by the policyholder assigning the policy to the trustees for the benefit of the intended beneficiaries.
Automatic enrolment
The compulsory government scheme for employers which decrees that they automatically enrol all eligible workers into a pension scheme; the scheme is gradually being rolled out, starting with the largest employers in the UK. All organisations must also pay money into these agreements.
Bare Gift and Loan Trust
A special type of trust used for estate planning, where you initially make a small gift (£10) to set up the trust and then lend money to the trustees. The advantage is that the growth of the value in the investment will be allocated to the beneficiaries.
Bare Trust
A trust where the beneficiaries have a fixed interest in the trust fund and the sole duty of the trustees is to hold that property for the beneficiary. Is also known as a Bare Gift Trust.
Basic Benefit
The benefit to be covered which does not include pension scheme or National Insurance contributions, or any employer's lump sum. (Group Income Protection)
Basic Rate Tax
The income tax rate (20%) payable on income above your personal allowances and below the level at which higher rate tax is paid.
Basic State Pension
A government payment made to all British citizens over the State Pension age, so long as they have met minimum National Insurance contribution requirements over their lifetime. The payment is usually made every four weeks.
A person or one of a class of persons (for example, grandchildren) who is named under a trust as the future recipient of the trust fund (or a share of it). However, with a discretionary trust it is at the complete discretion of the trustees if they actually receive anything (see potential beneficiary).
Benefit Crystallisation Event
The circumstances when there is a test to see if the pension benefits exceed the lifetime allowance. The events are when any pension benefits are taken; for example, the payment of a lump sum, drawing an income or death benefits are payable before age 75.
Benefits (under a pension)
Under a pension arrangement, this is the amount of lump sum a person might receive, the income payable or the death benefits payable.
Benefits (under a trust)
The share of a trust fund to which a person is, or might be, entitled at a future date.
The price used to credit or cancel units under a policy.
Bid-Offer Spread
The difference between the bid and the offer price. The size of the spread is affected by several factors, including current trading volumes and market conditions. Some units do not have a spread and only have a single price for both bid and offer.
A Bond is a shortened name for Investment Bond, which is a lump sum life assurance investment policy.
Bond Currency
The currency in which the bond investment fund is set up. UK bonds are in Sterling, but international investment bond funds can be set up as Sterling (British Pounds), Euros or US Dollars.
Breach of Trust
This occurs when the trustees fail to act in accordance with the conditions of the trust deed. Any financial loss suffered by the beneficiaries may be remedied by suing the trustees.
Any working day for the stock market. The stock market is generally open each weekday except Bank Holidays.
Buy-to-Let mortgage
A mortgage that allows you to release equity from your Buy-to-Let property, leaving your property intact.
A general name applying to Canada Life Limited and/or Canada Life International Limited and/or CLI Institutional Limited and/or Canada Life International Assurance (Ireland) DAC.
Cancellation of Units
The process whereby units are cancelled to pay for certain expenses and charges.
Cancellation Rules
You have a minimum 30-day cooling-off period during which you can cancel a policy for any reason. You will get a refund of any payments you have already paid. For investment related policies this will be less any fall there may have been in the value of the investments.
Individuals may be subject to CGT when they sell assets such as shares, unit trusts, OEICS and investment property.
Capitalisation factor
A number that death in service pension benefits are multiplied by when we need to estimate the total value of the benefit over the life of a claim. The number used relates to the basis of cover and can change. (Group Life Assurance)
Capped Drawdown
A type of income drawdown product that was available before 6 April 2015. If you already have a capped drawdown product, it will continue under its existing rules until the next review date.
Carve Out
A feature of a trust where the settlor has retained ownership of specific benefits (such as withdrawals) as defined in the trust and cannot benefit from any of the other benefits payable under the trust (such as the surrender value). That is, the settlor has 'carved out' specific benefits for themselves.
Cash Account
The part of an Account which is held in a cash deposit and is used to pay expenses, charges, withdrawals and adviser charges.
Cash gift
A cash amount given by a person to another individual (often their children or grandchildren).
Cash reserve facility
If you have a Home Finance mortgage and you think that you'd like to borrow more money in the future, you may be able to add a cash reserve facility to your mortgage at the outset. This facility will allow you to withdraw further funds at a later date, without taking further financial advice.
Catastrophic event
One event, or a series of related events, which results in the death of multiple members. (Group Life Assurance)
Catastrophic event limit
The maximum benefit we will pay to cover all the claims arising from a catastrophic event. (Group Life Assurance)
Cease age
The agreed age at which cover under the policy will end for each individual.
Chargeable Lifetime Transfer (CLT)
A CLT is a transfer of value, such as an investment in a discretionary trust. Inheritance tax at 20% is payable at the time of the transfer if, when added with previous chargeable transfers made in the last seven years, it is more than the current nil rate band.
Any natural, legally adopted or Step child who is under 18 years of age or under 22 if they are in full time education. (Group Life Assurance) See "eligible child". (Group Critical Illness)
Circulatory system illnesses
A defined set of insured illnesses which relate to the mechanisms by which blood is transported around the body. (Group Critical Illness)
Civil partner
A person that the member has entered into a civil partnership with, as defined in Section 1 of the Civil Partnership Act 2004.
Notification to an insurance company requesting payment of an amount due under the terms of the policy.
Claim benefit
The amount of insured benefit we have agreed to pay.
Collective Investment
A collective investment is a fund that is operated by an investment provider. Collective investment funds combine the assets of various individuals and organisations to create a larger, well-diversified portfolio fund. Typical examples are unit trusts and OEICS.
The date on which the policy starts.
This is the amount payable to an adviser to cover their costs for setting up a life assurance policy.
Completion fee (Home Finance)
A fee to cover the costs of setting up a mortgage. This can be paid at the point of completion or added to the mortgage balance.
Interest that is charged on interest.
Constitution of the trust
The establishment of a trust by the transfer of assets to the trustees.
The CPI is a measure of consumer price inflation and is used by the government as a guide to by how much it should increase certain state benefits (such as the State Pension).
Contingent interest
This is a legal term for a situation which depends on the happening of a particular event which may in fact never happen.
Any payments invested in a pension policy.
The tax levied on companies' profits.
Creator of trust
The creator of a trust (for income tax purposes) is the person who started up the trust. They are also known as the 'settlor'.
Crystallised Fund
This is the term given to pension funds that have been used to provide benefits or have been allocated to an annuity product.
The amount paid out under a policy on the death of the life assured, last life assured (joint life, last survivor policy) or the first life assured (joint life, first death policy).
Decision Letter
Written confirmation of our decision following medical underwriting of an individual.
Deferred period
The agreed period of incapacity before a claim will be considered. (Group Income Protection)
Defined benefits pension scheme
An employer-sponsored scheme where retirement income is based on length of employment, lifetime earnings, and the scheme's accrual rate.
Defined contribution pension scheme (or 'money purchase scheme')
A pension plan where the final agreed retirement income is based on the amount of money paid in, as well as the rate the money has grown within the pot. There are several varieties of this scheme, such as company, stakeholder, personal, and group personal pension plans.
Dependant
People who are financially dependent upon another person.
Deposit Account
An investment where you place a sum of money and regular interest is paid to you or added to the account.
The adding of a note to an account, policy or investment that you want the proceeds to benefit another person or persons.
Disclosure Of Tax Avoidance Schemes (DOTAS)
A requirement to notify HMRC that you are operating, or a participant in, what they define as a tax avoidance scheme. Failure to do so will result in penalties and fines.
In the context of estate planning, the reduction in the inheritance tax value of a gift into a certain type of trust: the discounted gift trust.
Discounted gift
The actual inheritance tax value of a gift into a discounted gift trust
The actual reduction in the inheritance tax value of a gift into a discounted gift trust
Discretionary benefit
A benefit for an individual which is larger or smaller than they would normally be eligible for.
Discretionary entrant
An individual who is joining the policy outside the normal eligibility for entry.
Discretionary Fund Manager (DFM)
A professional third party investment manager choosing the investments for a portfolio, who will work to set parameters in terms of portfolio choices (risk profile, client preferences and so on).
Discretionary Gift and Loan Trust
A special type of trust used for estate planning, where you initially make a small gift (£10) to set up the trust and then lend money to the trustees. The advantage is that the growth of the value in the investment will be allocated to the beneficiaries. See also Discretionary Trust.
Discretionary Investment Manager (DIM)
A discretionary investment manager is someone who is involved in discretionary fund management.
Discretionary Trust
A trust where the trustees decide at their complete discretion as to who should get a share of the trust fund. They are guided by the people named or described on the trust deed.
Dividend(s)
The payment by a company to its shareholders.
The country in which a person is, or is legally deemed to be, permanently resident and in which it is their intention to remain.
A person who receives a gift .
A person making a gift.
An investment made with a portion of a pension that allows a person to benefit from an uncapped income, accessible at any time it is requested. Money from a drawdown is taxed in the same way as a standard income, and can be taken instead of, or alongside, a fixed income from an annuity.
Inappropriate use of drugs, legal or otherwise, which leads to an insured illness.
Earlier claim
Any previous claim paid under our or any other Group Critical Illness policy an individual has been a member of due to employment. (Group Critical Illness)
Early repayment charge (ERC)
A charge for repaying some or all of your mortgage early.
Earmarking
This is a term used for sharing pension benefits on divorce. If you decide to opt for pension earmarking then when you start to draw retirement benefits, part of them are paid to your ex-spouse or partner or vice versa.
This is each separate, identifiable investment set up under a policy.
Eligible child
A natural or legally adopted child, or any child who is financially dependent on the member, who is under the age of 23 or dependent on the member due to disability. (Group Critical Illness) See "child". (Group Life Assurance)
Eligible dependant
Someone who is eligible for a pension when a member dies. (Group Life Assurance)
Eligible employee
Anyone who meets the agreed eligibility criteria for inclusion in a policy. These will be specific to each policy.
Any company, partnership or organisation we agree to include in a policy.
Employer's benefits
Benefits provided by an employer for their employees, such as a pension scheme, life cover or permanent health insurance.
Employer's lump sum
A single payment due at the end of an agreed claim payment period if an employee continues to meet the agreed definition of incapacity. (Group Income Protection)
A written record of any change to the provisions or details of a policy.
Shares issued by a company to the people who have invested in that company.
The value stored up in your property, minus any secured charges against it (such as a mortgage).
A range of products that allow you to release some of the cash stored up in your property without needing to move. The money released is tax-free and can be spent on whatever you choose. There are two types of equity release: Lifetime mortgages and home reversions.
Equivalent lump sum
The annual value of a pension multiplied by a capitalisation factor. (Group Life Assurance)
Employment and Support Allowance, described in Chapter 5, Part 1 of the Welfare Reform Act 2007.
Establishment Charge
The charge deducted from a policy to cover the cost of establishing it. Typically, these are taken at regular intervals over the first five years.
The total of all assets a person possesses and is beneficially entitled to.
For inheritance tax (IHT) purposes, the process of anticipating and arranging, during a person's life, for the disposal of their estate. Estate planning can be used to eliminate uncertainties over the administration of a probate and to maximize the value of the estate by reducing taxes and other expenses.
Ethical investments
The term given to investment in companies where the companies have been selected because of a certain ethical stance that they have. For example, a fund may avoid investing in alcohol or in companies that exploit labour from poor countries but may invest in tobacco.
Evidence of insurability
Any documentary or medical evidence we may require to include someone in the policy.
Exempt Transfer
A transfer that does not count as a chargeable transfer for inheritance tax purposes and therefore is not subject to tax. An example of an exempt transfers is the transfer of investments between spouses or registered civil partners.
An insured illness or related condition that was first diagnosed, treated or known about before a member was included in a policy or their benefit under a policy increases. (Group Critical Illness)
Exit Charge
When money leaves a discretionary trust, there may be an IHT exit charge.
Expected normal pension age
The age at which a member would be expected to receive a pension from their employer's registered occupational pension scheme. (Group Life Assurance)
External Fund
Any unit linked fund that is not managed by Canada Life but instead is managed by a third party investment management company.
Final salary pension scheme
A pension that is paid to workers in the public sector and some larger companies; they are based on their salary at the point of retirement, an accrual rate, and the number of years a person has been involved with a scheme. These schemes were once abundant, but are now being phased out due to the high cost of their maintenance (also known as Defined Benefit Scheme).
Financial Conduct Authority (FCA)
The FCA is the independent financial services regulator. Their objectives are to protect consumers, to secure an appropriate degree of protection for consumers and to protect financial markets. They also promote effective competition in the interests of consumers.
An organisation established by the government to remedy any consumer issues caused by banks and financial organisations, such as insurance, loans, mortgages, pensions, the PPI scandal and other money-related complaints.
Financial Services Compensation Scheme (FSCS)
FSCS is the compensation scheme for customers of UK authorised financial services firms.
Fixed income stock
Fixed income stock are investments that provides a yearly return in the form of fixed payments and return a set amount at a specified maturity date.
Flexi-Access Drawdown (FAD)
Flexi-Access Drawdown allows you to take money out of your pension fund; part of which will be tax-free cash and part taxed as income. The remaining fund will still benefit from investment growth. This arrangement is also called Uncrystallised Fund Pension Lump Sum (UFPLS).
Flexible Drawdown
Flexible Drawdown allows you to take all your tax-free cash entitlement out of your pension arrangement, with the remainder being available as taxable income, as and when you draw it down. The remaining fund will still benefit from investment growth.
Flexible mortgage
This term usually means that you have chosen to add a cash reserve, or 'drawdown', facility to your mortgage.
Flexible Trust
This is a trust where certain individuals will receive any income that is generated. With investment bonds, the income is reinvested so will not actually be paid out. The trustees or settlor have the option to alter the individuals of the income or replace them with others. The trust capital may also be due to these individuals or other people instead.
Free cover limit
The amount of benefit we will normally accept on standard terms without requiring evidence of insurability.
A range of indices, operated by FTSE International Limited, which record the performance of certain groups of shares (such as the top 100 UK shares - the FTSE 100 Index). The value of the index is derived from the values of the underlying shares and provides an up-to-the minute indicator of how share prices are performing in that group. (Note: FTSE originally stood for 'Financial Times - Stock Exchange).
Fund Adviser Fee
Where the policyholder has agreed a fee for fund advice, this is the agreed amount can be deducted from the policy or investment and paid as a fee to the fund adviser.
The person responsible for managing an investment fund or the investments of a customer in accordance with agreed investment objectives and guidelines.
An investment fund which holds investments in other funds. The idea is that the fund of funds manager will use their expertise to select the best funds in each sector.
Fund(s)
Any investment fund offered within a policy.
GAAR
The General Anti-Abuse Rule (GAAR) was introduced by the Government to catch tax arrangements which they deemed to be abusive, such as the tax avoidance schemes widely reported in the newspapers.
Gainful occupation
Any activity which has the potential to provide a member with some form of tangible gain. (Group Income Protection)
Gift with reservation
This is where an individual disposes of property by way of a gift and either possession or enjoyment of the property is not taken by the donee fully or it is not enjoyed to the exclusion of the donor.
Gilt-edged securities are bonds issued by the UK Government, which provide a guaranteed fixed rate of interest and a high degree of security.
Gross Roll-Up
The compounding of interest where no tax has been deducted.
Group personal pension scheme
A collection of personal pension plans given to employees by a single employer. Contributions are usually deducted through wages, and employers often make contributions on behalf of their employees.
A fund aiming to provide capital growth rather than income.
The possible percentage return on an investment, where all investment returns and income are accumulated.
Guarantee Period
This in relation to an annuity is the minimum number of years it will be paid for, normally 5 or 10 years, even though the annuitant may die in that period.
Guaranteed Maturity Value (GMV)
The amount paid under a policy on the Maturity Date, as stated in the policy schedule.
Her Majesty's Revenue & Customs (HMRC)
Her Majesty's Revenue & Customs are responsible for collecting tax in the UK.
Higher Rate Tax
The income tax rate (40%) payable on income above the basic rate limit and below the level at which additional rate tax is paid.
See Her Majesty's Revenue & Customs, above.
Home reversion
A type of equity release. All or part of your property is sold in return for a tax-free lump sum. You remain in your home as a tenant for an agreed amount of time, usually paying no rent.
IFA Promotion
The old name for unbiased.co.uk.
A document that forms part of the Key Features and gives you a guide to how much you might get back from your investment.
Illustration (Home Finance)
An illustration is a document that explains the Buy-to-Let mortgage to you, including any risks, features and fees.
Illness or injury which meets a definition agreed with us. (Group Income Protection)
Income Drawdown
Income Drawdown allows you to take money out of your pension arrangement as and when you want it.
A tax you pay on your earnings, pensions, interest and all other types of income – unless it is exempt, such as ISA income.
Independent Financial Adviser (IFA)
Professionals who offer independent advice on financial matters to their clients and recommend suitable financial products from the whole of the market.
Inflation measures the rate at which general prices for goods and services are rising. One measure in the UK is the Consumer Price Index (CPI).
The percentage change in the price level between two periods.
Inheritance guarantee
You can choose to protect, or 'guarantee', a percentage of the eventual sale value of your home at the outset. This means that the percentage you choose to protect is guaranteed to be available to you or your beneficiaries as an inheritance in the future.
Inheritance Tax (IHT)
A tax levied on property and money acquired by gift or inheritance.
Initial advance
The loan amount that is released to you when your mortgage completes. This does not include the amount in your cash reserve facility, if you have one.
Inland Revenue
The old name of HMRC (see above).
A contract which usually provides a lump sum or regular payments on the occurrence of a specified event; for example, death, illness etc.
Insured benefit
The amount of benefit for which a member has been accepted in a policy.
Insured illness
(Group Critical Illness) A condition or operation on the agreed list to be covered by a policy.
Insured person
A member, or a member's spouse or civil partner covered by the policy. (Group Critical Illness)
Interest in possession
The legal right to any income that arises from a trust fund.
Internal Fund
Any investment fund that is managed by Canada Life.
International Investment Bond
Investment Bonds issued outside of the UK, for example in the Isle of Man or Dublin, where there is little or no tax charged on the investment funds.
This is an asset, financial product or fund of money, which may generate income or grow in value over a period of time.
Investment Bond
A lump sum life assurance investment policy.
These are groups of different investments which have been selected by the Investment Manager to match the objectives of the Investment Fund.
This is the change in value of an investment or amount of income generated by that investment over a given time period – normally expressed as a percentage.
An insured illness which cannot reasonably be improved by medical treatment and/or surgical procedures used by the NHS. (Group Critical Illness)
An ISA is an Individual Savings Account; a scheme allowing individuals to hold cash, shares, and OEICS free of tax on dividends, interest, and capital gains.
A term used to denote that the asset is jointly owned by two (or more) people and if one of them dies it will automatically continue in the name of the survivor(s). This is irrespective of what the deceased's person's will might say.
Key Features Document
These are documents that set out the key facts for a particular investment, including its aims, your commitment and risk factors. It also has questions and answers about the policy.
Keyman Insurance
This is life insurance on a key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business and the ones whose absence would financially harm the company.
KFI (Home Finance)
A Key Facts Illustration (KFI) is a document that explains the lifetime mortgage to you, including any risks, features and fees.
Late entrant
Anyone who joins a pension scheme which provides access to benefits under a Group Insurance policy after they were first eligible to do so.
The organisation in charge of solicitors.
Level Term Assurance
A term assurance policy where an insurance amount could be payable during the policy term and the premiums don't change. The insurance amount is paid out if you die during the term. If it hasn't been paid by the end of the term, the policy ends and nothing is paid out. There is no cash in value at any time.
Life Assured or Lives Assured
The life/lives assured are the persons on whose death a life assurance policy would pay out.
This is the amount of insurance that would be payable on a person's death.
Life interest
An interest in possession whereby an individual is entitled to trust income only, but not the capital, for the remainder of their life.
Life Policy
A general term covering a contract between a life assurance company and a person, subject to various conditions as set out in the policy provisions.
Life Tennant
The name given to an individual with an interest in possession.
A limit defined in the Glossary of the HMRC Registered Pension Schemes Manual.
Lifetime Allowance (LTA)
This is a limit on the amount of pension benefit that can be drawn from pension schemes – whether lump sums or retirement income – and can be paid without triggering an extra penalty charge.
Lifetime Annuity
These are annuity policies that use the money you have saved in your registered pension scheme to provide you with a guaranteed, regular income for your lifetime and, if you so choose at the outset, your partner's lifetime.
Lifetime Annuity Rate
The rate used to calculate how much lifetime annuity you would receive for each £1,000 invested.
Lifetime Income
The amount of money provided by a Lifetime Annuity.
Lifetime mortgage
A type of equity release. The amount borrowed (along with any charges or interest accumulated) will be repaid at the time of your death or when you move into long term care, usually using the cash generated from the sale of your home.
Limited period
An agreed maximum duration for a claim, after which an employer's lump sum may be payable (if insured). (Group Income Protection)
Loan to Value (LTV)
How much mortgage you have in relation to how much your property is worth. This is normally a percentage figure. For example, if your home is valued at £100,000 and the maximum LTV offered is 44%, you can borrow a maximum of £44,000.
Long-term care is a range of services and support for a person who is unable to manage daily living unaided.
An additional amount added to a policy once it has been in force for a set period.
Management Charge
A charge paid by the policyholder, based on a set percentage of the value of the fund.
Manx Law
The legal system on the Isle of Man.
Material and substantial duties
The tasks a member is expected to perform in their normal occupation, which cannot reasonably be omitted or modified. (Group Income Protection)
The date on which the proceeds become payable under an investment or insurance policy.
The person who is entitled to benefits under a pension scheme.
Member's earnings
The total income of a member from all sources. For non-salary income, we may average earnings over a period of 3 years. (Group Income Protection)
A process whereby money generated by criminal activity is run through a series of financial transactions to hide the original source.
Money Purchase Annual Allowance (MPAA)
This is the Annual Allowance for people who have taken taxable benefits from their pension plan.
Monthly Management Charge
A charge of a pre-determined amount that is deducted monthly form a policy.
Mortgage term
The number of years the mortgage lasts for. With a lifetime mortgage, an estimated term is given to you because the lifetime mortgage term is not fixed – it could last for a longer or shorter period of time.
National Insurance (NI)
The system of compulsory payments by employees and employers to provide state assistance for people who are sick, unemployed, or retired.
The annual amount of employer's National Insurance contributions which would be payable if the employer was paying a member an income equal to the basic benefit they are covered for. (Group income Protection)
Neurological illnesses
A defined set of insured illnesses which relate to the nerves and nervous system. (Group Critical Illness)
Nil Rate Band
The amount of an individual's taxable estate which is subject to a 0% inheritance tax rate.
No negative equity guarantee
A guarantee that when your property is sold, if the proceeds after solicitors and estate agents fees are not enough to pay the mount owed to us, we will not ask you or your beneficiaries to pay the shortfall.
Nominated Professional Adviser
A professional adviser that you have authorised to act on your behalf.
A person or organisation that holds legal title of the assets on behalf of an investor (who is still the beneficial owner of the assets).
Non-qualifying Policy
A policy that does not satisfy the qualifying rules for life assurance policies. This means that any profit on the happening of a Chargeable Event could give rise to an income tax charge.
Normal entrant
An eligible employee who is included in the policy for normal benefits as soon as they are eligible to join.
Normal inclusion date
The first day an eligible employee qualifies for inclusion in a policy.
Normal occupation
The job which a member was employed in or engaged to do immediately prior to their incapacity. (Group Income Protection)
Normal place of business
(Group Life Assurance) A place where one or more of your employees perform their duties on a regular basis.
The price at which an investor buys shares or units.
Offshore Bond
Investment Bonds issued outside of the UK, for example in the Isle of Man or Dublin, where there is little or no tax charged on the investment funds. Also known as International Investment Bonds.
Ongoing Charges Figure (OCF)
The OCF is the overall total of the charge made by the fund manager for running the fund and all expenses and fees deducted from the fund. The OCF is reflected in the unit price of the fund.
Onshore Bond
Investment Bonds issued in the UK.
Open market option
The opportunity to buy an annuity with money in a pension fund from any provider upon retirement.
Open-Ended Investment Companies (OEICs)
OEICs are collective investment vehicles, similar to unit trusts and investment trusts. An OEIC issues shares rather than units. These shares are increased or reduced in number by the fund managers, according to the demand for investing in the OEIC.
The mission of the Organisation for Economic Co-operation and Development (OECD) is to promote policies that will improve the economic and social well-being of people around the world.
Any benefits a member receives for incapacity from other sources, such as a mortgage protection policy. (Group Income Protection)
Any payment that a member receives from a salary or other payment from an employer, self-employment or pension. (Group Income Protection)
Partial Surrender
The withdrawal of part of the value of the investment in a policy. Also known as a Withdrawal.
Partnership partner
An equity partner, or person listed in the incorporation document of a Limited Liability Partnership.
Pension Commencement Lump Sum (PCLS)
This is the amount of money that you can take as a lump sum from your pension fund without paying tax.
Pension freedoms
The opportunity for anyone over the age of 55 to take the whole amount of their pension as a lump sum, and receiving tax-free benefits on the first 25%; the rest is taxed at their income tax rate. The initiative was announced in 2014 by the British government, and became available from the 2015-16 tax year.
Pension Fund
A sum of money, accumulated individually or in conjunction with an employer, to provide pension benefits to a person at a later date, usually upon retirement.
Pension Input Period (PIP)
The period of time over which the amount paid into a pension scheme is measured, so that a check can be made to see if the Annual Allowance has been exceeded.
Pension scheme contributions
An agreed contribution to an employer's sponsored pension scheme on behalf of an employee as part of their claim benefit. This could include employer and employee contributions. (Group Income Protection)
Periodic Charge
An inheritance tax payment made by trustees of discretionary trusts after a ten-yearly anniversary of the trust starting.
Periodic review date
The date on which we can amend the terms and conditions and premium rates charged for the policy.
An insured illness which is expected to last throughout life with no prospect of improvement. (Group Critical Illness)
Permanent neurological deficit with persistent clinical symptoms
Problems with the nervous system which are present on clinical examination and expected to last throughout life.
Perpetuity Period
The maximum period that a trust can last. English law allows a perpetuity period of 125 years.
The amount of income that a person can receive before they will pay any income tax.
Personal Example
A personalised quotation, which includes important information about your policy, such as any guarantees, the amount invested (after charges), your chosen funds, adviser charge and so on. Also known as a Quote or an Illustration.
Personal Illustration
A personalised quotation, which includes important information about your policy, such as any guarantees, the amount invested (after charges), your chosen funds, adviser charge and so on. Also known as a Quote or a Personal Example.
Phased Investment Option
This allows a policyholder to ask that funds are switched to others, on a scheduled basis, for a period up to three years. At the end of the period , the policy will be entirely invested in the new fund(s).
Phasing Frequency
How often the Phased Investment Option happens.
A 'Public Limited Company'. This is a Company whose obligations to creditors are limited and who has fulfilled the legal requirements to attain public status (this does not necessarily mean their shares are tradable by the public).
A contract to provide insurance to an employer or Trustees.
Policy fee
A charge on each policy towards our costs.
Policy Provisions
The details of the contract between the insurance company and the policyholder.
Policy Year
A year beginning with the Commencement Date of the policy or any anniversary of that.
Policy/Policies
Each of the separate and identical different contracts into which an investment or the life assurance has been divided.
The owner(s) of the policy. This could be an individual but may also be trustees, administrators, executors and assignee's.
If you move to a new property that meets our lending criteria you can move your Buy-to-Let mortgage or lifetime mortgage to your new home under the same terms and conditions. Find out more about porting here.
Potential Beneficiary
Someone who is named on a trust deed who may possibly benefit from some of the trust fund in future.
Potentially Exempt Transfer (PET)
Most gifts you make to other people during your lifetime (unless they fall into the list of exempt gifts) are classified as PETs for inheritance tax purposes.
The ability to name someone as the person who will be receiving trust property in future. This may be 'irrevocable', meaning that it cannot be changed in future, or 'revocable', which means that the person named may or may not actually receive trust property.
Pre-existing conditions exclusion (PECE)
A clause which prevents claims being allowable for an insured illness which existed before an individual joined a policy or their benefits under a policy increased. (Group Critical Illness)
A payment into a policy for an amount of life assurance provided or as an investment.
Probate Bare Trust
A trust that avoids any delays in paying out the policy proceeds on a person's death. The beneficiaries will be the people named in the policyholder's will.
Professionals who offer advice on financial matters to their clients and recommend suitable financial products.
Proper law
The law of a specified country, which governs the existence and administration of a trust.
Protected Pension Age
The age of certain people in specified professions, or under certain contractual circumstances, can take pension benefits before the standard minimum age of 55.
Protected Tax-free Lump Sum
The amount that people can receive before they will pay any income tax. The amount will be different from the standard amount because the individual has registered their protected amount with HMRC.
Qualifying Policy
A policy that under the rules for life assurance policies qualifies for no tax on any policy proceeds. There may be a requirement in certain circumstances that the premiums have been paid for a minimum period.
A personalised quotation, which includes important information about your policy, such as any guarantees, the amount invested (after charges), your chosen funds, adviser charge and so on. Also known as an Illustration or a Personal Example.
Rate of Growth
In a Personal Illustration or Example, the assumed yearly percentage increase in the value of an investment.
Real Rate of Return
The growth rate of an investment after taking into account inflation.
Reduced capacity
Work-related activity which may include fewer hours or less onerous duties. (Group Income Protection)
Registered occupational pension scheme
An occupational pension scheme (s.150 Finance Act 2004) set up under discretionary trust and registered with HMRC in accordance with Part 4, Chapter 2 of the Finance Act 2004.
The place that is a limited company's official legal address.
Registered Pension scheme
A scheme that has been reported to HMRC and is run in line with their rules.
A premium that is paid every month or every year.
Related condition
A medical condition which is associated with, or likely to have led to, an insured illness. (Group Critical Illness)
Remaindermen
Beneficiaries who only get to benefit from a trust fund after the death of the Life Tenant.
Resulting Trust
Occurs automatically when a trust is invalid and the trust goes back to the settlor, or if he is dead, to the settlor's estate.
Retained Trust
A trust where the settlor keeps part of the trust benefits for himself (for example, half of the trust fund) and gives away the rest.
Retirement Annuity
Old types of pension plans that were set up before 1 April 1988. They were replaced by personal pension plans.
Return to work plan
A schedule for a member suffering from incapacity to gradually return to their normal occupation. The plan will be agreed with the member and their employer, as well as any treating medical professionals if appropriate. (Group Income Protection)
Reversionary Interest Trust
A trust which is set up with multiple policies, the proceeds of which could be paid to the settlor on maturity dates if the trustees decide that should happen.
The evaluation made in regards to an individual or organisation's inclination to take risks. This measure also concerns the threats they may be exposed to.
The Retail Prices Index published by the Office for National Statistics.
The rules of a pension scheme, as to what can happen and who can benefit and when.
The Schedule is attached to the policy provisions and records all policy details of your investment, pension or life assurance.
Scheduled territories
A defined set of countries which we typically treat less strictly with regards to providing overseas cover.
An arrangement by which an employer sets up a pension fund for their employees.
Scheme benefit
The typical benefit provided under a scheme.
Scheme salary
The income which we have agreed to cover.
Second annuitant
A second person who you have chosen to receive an income from your annuity in the event of your death. This could be your spouse, civil partner or another person.
Secondment
A temporary period in which an employee is sent to work somewhere other than their normal place of work.
Section 226 Policies
Old types of pension plans that were set up before 1 April 1988. They were replaced by personal pension plans. Also known as a Retirement Annuity.
Security / Securities
Freely tradeable assets quoted on a stock exchange. There are many different types of securities, including stocks and shares, derivatives and bonds.
SEDOL Code
The code used by the stock exchange to distinguish shares and other securities on the 'Stock Exchange Daily Official List'.
Self-inflicted injury
Intentional harm to oneself which leads to an insured illness. (Group Critical Illness)
Self-Invested Personal Pension (SIPP)
A personal pension that can be invested into a wider range of assets, such as shares and commercial property.
A published no-quibble, non-performance penalty system. If we don't keep our promises, we will pay either you or your adviser.
Set Up Charge
This is a one-off charge for setting up a policy.
A transfer of property, whereby the property is held in trust (except for Bare Trusts).
Settlor
The person who sets up a trust.
Companies can issue different classes of share with different rights and obligations attached to them. A typical example is 'A' and 'B' shares, where 'A' shares allow the investor to vote at the company's AGM.
Share exchange scheme
A scheme whereby an investor's existing equity portfolio can be exchanged for another investment such as an investment bond.
The Equity Release Council, formerly known as SHIP, are the trade body for the Equity Release industry.
Single Premium
A one-off single payment, usually made into an investment bond or a pension policy. Also known as an Additional or a Top-up.
Spousal Bypass Trust
A trust that can be used to protect pension death benefits from IHT on the subsequent death of a spouse/civil partner or dependant, and also to provide clients with some control over how their death benefits are paid.
A person who is legally married to a member.
Stakeholder pension schemes
A type of pension scheme with a set of conditions laid down by the Government.
State Earnings-Related Pension Scheme (SERPS)
A state benefit paid in addition to the Basic State Pension. Entitlement to this scheme is based on a person's earnings during their working life. Entitlement is built up between the working years of 1978 and 1997.
The Government old age pension. From April 2016, a new State Pension was introduced.
State pension age
The age at which a member is first entitled to the basic State pension.
Statutory leave
Any statutory parental leave taken from active employment.
The person who assumes control of a trust after the initial trustee dies or becomes unable to continue with his or her responsibilities.
Sum Assured
A secured, guaranteed amount under a life assurance policy to be paid on death.
Supplementary benefit
National Insurance and/or pension scheme contributions. (Group Income Protection)
Survival bonus
If all the annuitant(s) named on an Annuity Growth Account (AGA) are alive on the policy's review date, a survival bonus is added to the Investment Element. The bonus will be a percentage of the Investment Element and will depend on the sex and age(s) of the annuitant(s). The percentage will be shown in the policy schedule when the AGA was set up or the endorsement that was issued at the last review.
Survival period
The amount of time that an insured person (or child) needs to survive after the diagnosis of, or undergoing surgery for, an insured illness. For the insured illness 'Major Organ Transplant' the survival period will start on the date that the insured person (or child) is included on an official UK transplant waiting list, or the date of surgery, if earlier. (Group Critical Illness)
Moving an investment from one fund to another.
Taper Relief
Tapering relief applies for inheritance tax when someone has made large gifts, but died within the following seven years.
A levy by the Government on income and business profits, capital assets, or added to the cost of some goods, services, and transactions.
A tax reduction allowed when you make payments to certain types of pension arrangements and investments.
This runs from the 6th of April one year to the 5th of April the following year.
Tax-Free Cash
This is the amount of money that you can take as a lump sum from your pension fund without paying tax. Also known as a Pension Commencement Lump Sum (PCLS).
Term Assurance
A simple form of life insurance offering life assurance over a fixed number of years during which a lump sum will be paid out if the life insured dies.
Any additional payments invested in the policy after the policy date.
Total benefit
The combined total of all parts of an employee's benefits.
The value of a pension if it is being transferred to another pension plan.
A trust is a legal arrangement, whereby certain individuals (the trustees) deal with property over which they have legal control for the ultimate benefit of other persons (the beneficiaries).
Trust Deed
The provisions which govern how the trustees must run the Trust.
The property held by the Trustees in the Trust.
Individuals, or a trust corporation, who are named in the trust deed as being the legal owners responsible for holding the Trust Fund and dealing with the administration and tax affairs of the trust.
The Transfer of Undertakings (Protection of Employment) Regulations 1981.
unbiased.co.uk
A website that holds information which can help you choose a financial adviser, mortgage broker, solicitor or an accountant in your local area.
Uncrystallised Fund
Uncrystallised is the term given to pension funds before they are cashed in.
Uncrystallised Funds Pension Lump Sum (UFPLS)
A way of taking pension benefits where 25% is tax free and the remaining 75% taxable at the member's marginal rate of tax.
The process that an insurance company uses to assess whether an applicant is in good health or not.
A way of dividing pooled investments so that each individual will know what their investment in a fund will be worth.
The price of a unit in an investment fund; it tends to be calculated on a daily basis by analysing the value of any assets that the fund invests in.
A trust fund that is a collective investment vehicle pooling investors' money and therefore spreading the risks involved. It is an open-ended investment and therefore units can be created and cancelled depending on demand.
The value of the investment under a policy; it is the units allocated multiplied by the current unit price. Note: it may be different from the surrender value.
One of the equal parts into which a fund is divided for the purpose of recording the value of your investment.
Valuation day
The day the Unit Value in a fund is calculated in order to process certain requests, pay claims and to carry out the normal functions of the policy.
A consumption tax in the UK, which adds additional cost to an item or service.
Value of Units
Vested
An interest in a Trust is vested where the person in question has been given an absolute interest in the Trust Property.
A clause in an insurance policy that waives the policyholder's obligation to pay any further premiums should he or she become seriously ill or disabled.
War and civil commotion
War, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion, which leads to an insured illness. (Group Critical Illness)
This is when you take a partial surrender from an investment bond.
Working Day
A day other than a Saturday, Sunday or a public holiday in the UK.
The dividend income last paid by a share of fund, expressed as a percentage of the current share or unit price.
You might be interested in . . .
CanRetire Flexible Drawdown Plan
Canada Life LinkedIn
Canada Life Twitter
Canada Life YouTube


Treat your taste buds at St Bridget's Primary School wine tasting this St David's Day, Friday 1st of March.
A veritable tour of wine paired with a small plate starting 7:30pm in the school hall with expert wine tuition provided by the Chester Wine and Beer team. A challenging prize quiz to test the sommelier within you and a chance to release the 'inner hwyl' within you.


The BABYBJÖRN Bib for Baby Carrier protects the upper part of your baby carrier so that you don't have to wash the whole baby carrier as often. The bib has a soft and waterproof terry-cloth surface that breathes and feels gentle against baby's mouth and cheeks.
Contains 2x bibs and is machine washable.
Practical for you: You won't need to wash the baby carrier as often.
Soft and pleasant: Waterproof, breathable soft terry cloth surface.
Easy to clean: Simple to machine-wash, hot (60 °C).


The long-anticipated and heavily speculated divorce between manager Ozzie Guillen and the White Sox may finally be at hand.
Guillen said last week that he wants a contract extension if he's going to fulfill the final year of his current deal in 2012. It's known that the Marlins have interest in Guillen being their new manager as they enter a new life as the Miami Marlins and a new venue as they begin play in their retractable roof, state-of-the-art, baseball-only stadium. The White Sox have stagnated and underperformed in the past three seasons under Guillen's fiery, blunt, over-the-top leadership.
The White Sox need someone who's less of a loose cannon; the Marlins need someone who is a bit of a loose cannon and has the cachet and fearlessness to get into the faces of the self-involved rookies like Logan Morrison and diva-veterans like Hanley Ramirez; and Guillen's worn out his welcome with the White Sox and his GM Kenny Williams.
This has to be done quickly to avoid any legal entanglements and rampant rumor-mongering of what both clubs are going to do. I'm talking about everything happening within days after the season ends.
If I were the White Sox, I'd contact the Marlins to see if they're still interested in Guillen—and they surely are; I'd go to Guillen and tell him it's time to part ways; I'd let Guillen's representatives lay the groundwork for a deal with the Marlins; I'd ask for Chris Coghlan from the Marlins as compensation for Guillen being let out of his contract and move forward.
The White Sox have been expected to win for the past three years and each year have played inconsistently at best.
The Marlins have a load of young talent that needs a good swift kick and a marketable manager to sell to the fans.
Coghlan has collapsed amid the pressures of being Rookie of the Year in 2009 with injuries, position changes and demotions—he needs to start somewhere new.
White Sox GM Williams thinks outside the box when it comes to everything he does; he neither accounts for nor cares about the reaction he gets when he makes a decision; it's with this in mind that I say the obvious heir apparent to Guillen—coach Joey Cora—might not be the new White Sox manager. Williams almost hired Cito Gaston when he hired Guillen and Yankees bench coach Tony Pena would be a calm presence to counteract the lunacy that was inherent under Guillen.
Either man might be exactly what the White Sox—and Williams—need.
This has to be dealt with and it should be done sooner rather than later for the good of all involved.
How About LaRussa Back To The White Sox?
The White Sox have accomplished something rare in Chicago: they're more embarrassing than the Cubs.
Sure, the White Sox have a better record than the Cubs, but they have a lot more talent; no one reasonable was expecting anything more than mediocrity from the Cubs this year and they've been terrible; but the White Sox are a train wreck and GM Kenny Williams is going to do something drastic.
The time has passed for him to trade half his roster and he was right to hold his fire at the deadline. They were only 3 games out of first place and had played better to reach .500. Since then, they look like they've started their off-season early.
Ozzie Guillen has been rumored to be on the hotseat so many other times and was never fired; he has a contract for next year so there is reason to believe he'll be back.
But there's also reason to believe he won't.
The Marlins wanted Guillen this past winter and the White Sox players don't seem to be responding to him anymore. The easiest thing to do is to bring in a new manager rather than a boatload of new players especially with the immovable contracts the White Sox have.
The obvious choice in a chain-of-command style scenario would be Joey Cora, but Williams thinks outside the box and does what he wants. Another name I'd expect to be floated is the man who came in second to Guillen when Guillen was hired: Cito Gaston. Gaston didn't look like he wanted to retire from the Blue Jays after last year and with Jack McKeon and Davey Johnson back in the dugout, it's not as much of an anomaly to have a much older manager. Gaston will be 68 starting next season.
But how about Tony LaRussa returning to finish his managerial career where he started it?
Owner Jerry Reinsdorf is still close with LaRussa and the Cardinals are in flux despite their flurry of moves to placate the manager and win now.
In fact, the series of trades—that could be referred to as desperate—could be framed as having been made to win immediately in a last ditch effort to close out the LaRussa-era as a winner.
Could the Cardinals be preparing for a future without Albert Pujols just in case he does leave after the season? And would LaRussa have any interest in managing the Cardinals without Pujols?
He's going year-to-year with his Cardinals contracts and with the rampant dysfunction that's coming to light with the fight between Yadier Molina and Gerald Laird and the multitude of issues between LaRussa and Tony Rasmus that expedited Colby Rasmus being traded, maybe he and the Cardinals would like to go their separate ways.
If Pujols leaves, the Cardinals are going to be severely compromised in 2012 and at his age (LaRussa will be 67), does he need the aggravation of a Cardinals clubhouse sans Pujols and little chance to win?
The White Sox will have a lot of talent on the roster in 2012 and are ready-made to contend—a perfect spot for LaRussa in both practice and aesthetics.
It'd take a lot for it to happen, but it's a viable landing spot for a 2-3 year window to try and win another championship and go out in the venue where he came in.


text:
Wild Animals at High Risk of Being Infected With COVID-19 By Humans, Warn Scientists
The review article states that the transmission of the SARS-CoV-2 coronavirus could potentially threaten several species of wild life
By Jeevan Biswas
October 9, 2020 23:51 +08
All species which declared extinct this decade
When the COVID-19 pandemic began to take hold across the globe, it sent the scientific community scuttling for answers and interventional measures to limit its spread. The fears, for some time, were only surrounding the spread of the SARS-CoV-2 coronavirus among human beings. However, the emergence of the infection in several species of animals has raised new fear. Now, a study states that there is a high risk of transmission of the infection from human beings to wild animals.
According to the perspective article published in the journal Mammal Review, that the spread of the virus to wildlife can turn the pandemic into a pan-species problem. "We really should avoid turning our pandemic into a multi-species problem," said Dr. Sophie Gryseels, lead author of the study, in a statement.
Coronavirus Infection Among Animals
Elephant (Representational Picture) Pexels/Harvey Sapir
Since the emergence of the pandemic, numerous cases have been reported in several species of animals, both domestic and wild. For example, several cases of infection among pet dogs and cats were reported in the US. As far as wildlife goes, it was famously reported in April 2020 that several large cats such as Tigers and Lions housed in the Bronx Zoo have tested positive for COVID-19 (possibly infected by their human caretakers).
Also, while not reported yet, several animals have shown susceptibility to the infection in laboratory tests. Additionally, the explosion of the infection across mink farms in the Netherlands and Denmark raised several concerns, including the potential infection of human beings by animals infected by COVID-19.
Could Threaten Several Species
Keeping in line with these increasing worries surrounding cross-species transmission, the authors of the paper highlighted that if the novel coronavirus were to infect and spread among wild animals, it could most likely cause the deadly disease in some species of animals. However, it could ravage species that already threatened and endangered.
Malayan Tiger, SCIENTIFIC NAME: Panthera tigris jacksoni (Critically Endangered) Reuters
"Preventing human‐to‐wildlife SARS‐CoV‐2 transmission is important to protect these animals (some of which are classed as threatened) from disease, but also to avoid the establishment of novel SARS‐CoV‐2 reservoirs in wild mammals," the authors wrote.
Need to Prevent New Reservoirs of Infections
Through the review of several recent studies that dealt with the infection in human and animals, the authors posited that if the sustainable transmission of the SARS-CoV-2 among certain mammalian species could potentially lead to the creation of new animal reservoirs. This could lead to the formation of sources that could repeatedly cause new outbreaks in humans and animals.
"It's difficult enough to control the SARS-CoV-2 in human populations--imagine what it will be like if it spreads among wild mammals. They could also get sick and form a reservoir from which they can then again infect humans, but we can't ask animals to wear face masks and keep physical distance," urged Dr. Gryseels.
Good News on COVID-19 Vaccines: Mutations In Coronavirus May Not Affect Vaccine Potency, Finds Study
Death Rate and Adverse Outcome Among Youngsters Hospitalized With COVID-19 Quite High: Study
Failure of Crucial 'Braking Mechanism' Behind Immune Cells Damaging Lungs In Patients With Acute COVID-19: Study

redpajama_set_name: RedPajamaCommonCrawl


PRESS RELEASE: Avaya and Plantronics announced a new co-development initiative to address the growing need for simplified communications in contact center and unified communications (UC) environments. The first initiative under this expanded relationship is focused on ensuring compatibility and tight integration between select Plantronics headsets and Avaya's Chrome-based contact center apps, including Avaya Agent for Chrome and Customer Engagement OnAvaya™ –Google Cloud Platform.
With this powerful combination in play, contact center agents will enjoy seamless voice and non-voice interactions with customers, including chat, email, and SMS.
According to a recent survey by the International Customer Management Institute (ICMI),1 71 percent of contact center leaders believe that difficulties with systems and inefficiency of tools are top contributors to agents' workday stress. The report also noted that being equipped with the necessary resources to do their jobs more effectively and efficiently had the greatest positive impact on performance.
Avaya and Plantronics have a long-standing partnership that spans decades. During this time the companies have developed a deep level of technological integration that has helped fuel contact center innovation and create enhanced audio and video experiences for businesses. Most recently, the companies released the Seamless transfer snap-in as part of the Avaya Engagement Assistant, which enables people using a Plantronics' sensor-enabled Voyager Legend UC headset, to fluidly transition from a mobile call to a video-enabled Avaya Scopia desktop session without losing audio. The solution leverages Plantronics' proximity APIs with the Avaya Engagement Development Platform (EDP) and is an example of how developers can create custom integration in minutes using standards-based APIs and the Avaya EDP.


text:
Hermann August Richard Eckhardt war ein deutscher Jurist und Landrat.

Leben und Wirken
Nach Schulbesuch, Studium der Rechtswissenschaften und Promotion legte er am 22. April 1922 die juristische große Staatsprüfung ab. Er trat in den öffentlichen Dienst ein und wurde zum Regierungsrat befördert.

Mit Wirkung vom 1. Mai 1939 wurde er zum Landrat im Landkreis Bautzen ernannt, nachdem er seit August 1938 diese Funktion bereits kommissarisch wahrgenommen hatte. Er blieb bis zum Ende des Zweiten Weltkrieges im Amt und widmete sich insbesondere der Wendenabteilung des Landratsamtes. Nach Kriegsende 1945 wurde er von der sowjetischen Besatzungsmacht inhaftiert und angeklagt. Der Prozess gegen ihn begann am 30. November 1948 vor der Zweiten Großen Strafkammer des Landgerichts Bautzen. Eckhardt wurde wegen seines Ausrottungsfeldzuges gegen die sorbische Bevölkerung und der Denunziation von Sorben am 1. Dezember 1948 zu einer Strafe von 15 Jahren Zuchthaus verurteilt.

Literatur
 Frank Förster: Die "Wendenfrage" in der deutschen Ostforschung, 1933-1945. Die Publikationsstelle Berlin-Dahlem und die Lausitzer Sorben. Domowina-Verlag, Bautzen, 2007, S. 170f.

Weblinks
 Landkreis Bautzen Verwaltungsgeschichte und die Amtshauptleute und Landräte auf der Website territorial.de (Rolf Jehke)

Einzelnachweise

Jurist in der Kommunalverwaltung
Jurist (Nationalsozialismus)
Landrat (Sachsen)
Person (Bautzen)
Deutscher
Geboren im 19. oder 20. Jahrhundert
Gestorben im 20. Jahrhundert
Mann
Verurteilte Person (NS-Täter)

redpajama_set_name: RedPajamaWikipedia


text:
Q: SMO: No model built yet I am able to create a model in MOA(Weka) for case 1 but not for "case 2" (same data set). Could anyone explain why?
Case 1 (IBk/LWL):
java -cp moa.jar:weka.jar -javaagent:sizeofag.jar moa.DoTask "LearnModel -l (meta.WEKAClassifier -l (weka.classifiers.lazy.IBk)) -s (ArffFileStream -f training_s2w.arff -c 1) -O model.moa"

java -cp moa.jar:weka.jar -javaagent:sizeofag.jar moa.DoTask "EvaluateModel -m file:model.moa -s (ArffFileStream -f test_s2w.arff -c 1) -o predicted.txt"

Above two commands creates a model and apply it on test data successfully.
Case 2 (SMO/J48/NaiveBayes/BayesNet):
java -cp moa.jar:weka.jar -javaagent:sizeofag.jar moa.DoTask "LearnModel -l (meta.WEKAClassifier -l (weka.classifiers.functions.SMO)) -s (ArffFileStream -f training_s2w.arff -c 1) -O model.moa"

java -cp moa.jar:weka.jar -javaagent:sizeofag.jar moa.DoTask "EvaluateModel -m file:model.moa -s (ArffFileStream -f test_s2w.arff -c 1) -o predicted.txt"

But these two commands gives output as:
 "Model description:
SMO: No model built yet"

(I checked through Weka CLI that both training and test data is Weka compatible.)
What could be the possible reason(s)?

redpajama_set_name: RedPajamaStackExchange


I know that I calculated the bill correctly. That smells nice. You must be accurate in counting. My companions were all asleep. He will arrive sooner or later. Why are you lying to him? We probably won't do that again until next October. We should probably help them. Were you drinking that day? He listened to the story with his eyes shining.
She cried that she was coming. Is there anyone here who hasn't yet met Oleg? We'd better do that soon. You know who I am. He is his teachers' despair. Sjouke was unkind. I should've known you'd come back. When are you going to move? He is scheduled to come up to Tokyo tomorrow. I bought her a clock.
It's wrong of you not to forgive him. It's hard to break a habit. He doesn't have a mind of his own. Win won't be back for a few hours. I didn't make that up. Have you ever cleared this garden? Can I offer you anything to drink? You can't say no. What should I name it? Jeanne may say something.
Cold numbs the limbs. Donna wore a black suit and tie. Moderate exercise is good for your health. We teach each other lots of things. Don't you want to visit him? If you're tired, rest. We talked to each other for a while. Fritz killed Abbott. I worked hard. Saving lives feels great.
He was a poet and a diplomat. They didn't like the movie. He seems to have known the truth. I did see him. The game was put off until next Sunday. I want Marshall brought to justice. The cup of coffee is full to the brim. The hundredth World Congress of Esperanto occurred in Lille, in northern France, between the twenty-fifth of July and the first of August of 2015; it was successful and emotionally touching. Some English adverbs function as adjectives. I think I should've studied harder.
Let's not quarrel about this. Where do you watch television? He became his great friend. I didn't look at it. To improve the situation, we must work harder. I just want to have a little fun. Will you go on a picnic with me? Everyone applauded as Christina walked out onto the stage. That's not my opinion. I think you look beautiful.
Jim, don't run about in the room. There was fear on his face. Edwin's mother lives in Boston. His father lives in Chicago. Paul knew where Sedat was. I didn't find anything wrong. In other words, you're stupid. Look away for a minute! I'm going to quickly change my clothes. Pablo and Sandeep talked about what they should do with the money. Anton is obviously having a good time. I've got good news and bad news.
Where are you in the world? Many children are yelling, which is annoying. You like doing that, don't you? You have no driving experience. He was tired and nervous from overwork. Straighten up. I talk fast. I can't hear her. You kiss like a fish. I hope Lindsay comes.
Pamela doesn't look happy. I want a notebook. I've had lots of chances. Can you tell a duck from a goose? I fell down and hurt myself. She laid claim to the castle. Rolfe has nowhere left to go. A lot of children gathered in the garden. I'm not feeling relaxed. I'd like to go skiing.
I have no explanation. I don't know what else there is to discuss. What are you going to do about that problem? I promised my parents I would visit them at least once every three months. Mexico is a neighbor of the United States. If you change a sentence that already has some translations, please warn the authors of the translations about it. This is what I wanted. Nothing is so pleasant as traveling alone. I haven't found my little box of happiness yet. Dwight and Mac decided to give things another chance.