Insurance & Investment

Profitable investment of surplus funds can make a strong contribution to your personal investment portfolio. Our specialist product structuring team provides cutting edge product development support to the HBOS Group's Insurance & Investment Businesses.

In addition to product development the team carries out risk management activities for existing structured investment products distributed through the Insurance customer base in the UK and across Europe.

The UK Insurance & Investment Division sells these structured investment products through the HBOS Group's financial adviser network and Independent Financial Advisors. Our product suite includes the most successful selling structured retail product in the UK, the Guaranteed Investment Plan (GIP) which contains a capital guarantee.

For more information on our UK investment products please click here

We also provide structured product development and support to the Group's European insurance business, European Financial Services. Our European product suite includes the very popular equity based GA80 fund, which carries a continuous unit price guarantee of 80% of the highest watermark the fund reaches.

For more information on our European investment products please click here