Your Police Mutual. Owned by you. Run by you.

It is an investment designed for growth or income over the medium to long-term, typically at least five years.

It includes a small amount of life cover, important guarantees every five years and is available on a joint life basis.

If you are between the ages of 16 and 85, the Guaranteed Investment Bond could be suitable for you if you’re looking for an investment with built-in guarantees.

You should be looking to invest at least £1,000 over the medium to long-term and not planning to access your funds for at least five years.

It’s important to remember that if you cash-in between the five-year guarantee points you could get back less than you have invested.

If the Guaranteed Investment Bond doesn’t sound quite right for you, take a look at our other investment options.

The Guaranteed Investment Bond is available to anyone between the ages of 16 and 85 with at least £1,000 to invest.

There are no fixed term or tie-ins, so you can invest for as long as you like and make withdrawals at any time. But, to give your money the opportunity to benefit from potential growth, you should aim to leave it invested for at least five years.

It’s important to remember that if you cash-in between the five-year guarantee points you could get back less than you have invested.

If you do make withdrawals your double guarantees will be affected - please see the Key Features document for more details.

The amount you get back will depend on how long you invest for, the performance of the fund, our charges, the withdrawals you make, the impact of tax and the outcome of our other business activities.

Remember, if you decide to cash-in on a guaranteed date you will receive at least your guaranteed amount - including any locked-in growth.

It’s important you remember that if you cash in your investment bewteen the five year guarantee points, you could get back less than you have invested.

We will send you a statement every year to let you know how your Guaranteed Investment Bond is performing. You can also call us on 0845 88 22 999 if you want a current value at any other time.

To comply with money laundering regulations, we may carry out an online identity check with a reference agency when you apply. The agency will add a note to your credit record to show that an identity check has been made, but this information will not be available to anyone else and will not affect your credit rating.

You can find out more about why we need to check your identity on the Financial Services Authority website.

If you plan to send us a building society cheque or banker’s draft, please ensure that the issuer confirms the name and account number, either on the front or back of the cheque together with branch stamp, or with other supporting documentation.