Complete guide to unlocking

the value of your home.

Rated 5/5 Excellent

1
Contents Introducing Reader’s Digest
Equity Release
Introduction 3
Why are more people choosing to release equity? 4 Launched in 1922, Reader’s Digest has worked hard to build trust over 100 years by
providing useful guides and top tips about the topics that really matter.

What is equity release? 5 Now, Reader’s Digest has chosen to work with Responsible Life to provide you with a
quality mortgage advice service through Reader’s Digest Equity Release. You will be in
How does equity release work? 6 good hands, as Responsible have over a decade of experience and over 1,500 5-star
reviews on Trustpilot.

What are my equity release options? 8 Reader’s Digest Equity Release present this Complete guide to unlocking the value of your
home to equip you with high quality information about releasing equity. You will find out
Making payments 10 how the service can help you consider all of your options so that making the right choice
is as easy as it should be.
Other borrowing options 12 Read on to learn more about how equity release and your other options work, whether
releasing equity could help you achieve your goals, and how you can receive clear and
Could you consider downsizing? 14 transparent advice with access to a nationwide network of friendly and fully qualified
advisers.
What can you use your released equity for? 16
The benefits of seeking advice 18
Step-by-step guidance 20
Frequently asked questions 22
Steve and Catherine’s story 24
Why choose Reader’s Digest Equity Release? 26
William’s story 28
Next steps 30
0800 023 9349
Call us today and find out how we can help.
 Why are more people choosing
to release equity?
Many of us have grand plans for our years beyond the age of 55, but big goals often
require even bigger budgets.
Lots of homeowners are starting to realise that their property wealth could have a role
to play in achieving these plans. Where other sources of retirement income such as
investments and pensions have often underperformed in recent times, the value sat in the
bricks and mortar of your home can be transformed into cash in the bank.
When deciding how to fund your goals it can be hard to know which financial solution is
best, particularly if you are asset rich and that asset is as important as your home. You will
want to make sure that you aren’t going to lose out, choose the wrong option, or get a bad
deal.
It can be a smart choice to utilise the savings you have made into your home in your
lifetime, whether that is through an equity release product or another solution. Increased
levels of safeguarding and protection mean that you could benefit from a guarantee that
you won’t lose your home and you can also access flexible repayment options.
So, as more and more over 55s discover the true potential of their home, they are choosing
to release equity. Read on to learn more about how you could join them in unlocking the
value of your treasured asset.
4 5
What is equity release?
If you own your own home in the UK, it’s likely that its value has enjoyed a considerable
increase over the years. If you’re in this position, then you might have a large portion of
your wealth tied up in the equity of your home.
Reader’s Digest Equity Release specialises in offering you trustworthy advice when it
comes to the different ways you could access some of that wealth. One of the solutions an
adviser can help you consider is equity release. With this, you can borrow a tax-free sum of
cash from the value of your home.
Who is eligible?
TO BE ELIGIBLE FOR EQUITY RELEASE, YOU MUST:
• Be over the age of 55.
• Own or want to own a home in the UK worth at least £70,000.
• Want to release at least £10,000.
• Have cleared or be able to clear your existing mortgage upon releasing equity.
You can use the money you unlock to achieve this.
How much can you borrow?
The more your property is worth, the higher the maximum amount that you can release
will be. The maximum that you can release will also be affected by the age of the
youngest homeowner. In general, the older you are, the higher the percentage of equity
available to you.
Whether your property is worth £1.5 million or £200,000, and whether you are just
approaching retirement or well into your leisure years, equity release could help you
achieve your goals.
0800 023 9349
Keen to find out how much you could release or have a question
you’d like us to answer? Call us today. We’re here to help.
 How does equity release work?
At Reader’s Digest Equity Release, the advisers we provide access to are experts
when it comes to the UK’s most popular equity release product. This product is called
a Lifetime Mortgage.
Step One
Homeowner aged 55
A Lifetime Mortgage is designed to last for as long as your home remains your primary or over
residence. There is no requirement to make any payments during this time, but you have the
Step Two
option to make these, whether that is regular interest-only contributions, or more flexible
payments when you can or wish. The interest rate charged on your loan will be fixed for life. Release tax-free cash
Interest will roll up over your lifetime on a compound basis, so making payments can help
to limit the cost of borrowing in this way over time.
Step Three
The amount borrowed, plus any interest not paid back during your lifetime, is only due for
Choose if you want
full repayment once the last homeowner has either passed away or entered long-term care. to make payments
Usually this will be achieved by the executors of your estate selling the home.

It can be useful to have an adviser show you exactly how much you might owe in the
future, taking into account whether you choose to make any voluntary payments. They will
also help you to understand how the value of your estate will be reduced and how your
entitlement to means-tested benefits could be affected. You could: Or, you could: Or, you could:
Make voluntary Pay off the interest Let the interest roll
payments when each month up on a compound
Did you know? you can basis
In early 2022, the Equity Release Council introduced
their fifth product safeguard. This guarantees that
you can make penalty free payments on all new
Lifetime Mortgage plans, subject to lender criteria.

Step Four
Repay the amount borrowed plus any
outstanding interest on death or entry
to long-term care

6 7
 What are my What features 3. Inheritance Protection
Guarantee
equity release options? are available? If you want to be sure of leaving
something for your loved ones, this
There are two main types of Lifetime Mortgage, with additional options available guarantee allows you to safeguard a
dependent on your personal circumstances. 1. Fixed early repayment percentage of your home’s value for
charges inheritance purposes.

We offer Lifetime Mortgage products

with fixed and defined early repayment
Lump Sum Lifetime Mortgage
charges. With this, you can release equity
With a Lump Sum Lifetime Mortgage, you can release a one-off tax-free cash sum with the knowledge that, should your 4. Port your plan
of £10,000 or more from your home. circumstances change and you choose to Although many homeowners choose
pay it back early, you will know the exact equity release so that they don’t have to
The interest rates are fixed for life and will depend on various factors including
charges for doing so. downsize to unlock their asset wealth,
how much you decide to release.
you retain the right to move again if
Interest will build up over time and, along with the outstanding loan, be repaid you want to in the future. You can port
when you pass away or enter long-term care. You can make payments towards your Lifetime Mortgage to new property
the interest or total balance of your loan if you wish and these payments can be providing it meets existing lender criteria.
2. No-negative-equity
on a regular or occasional basis.
guarantee
No matter what happens to the value of
your home in the future, neither you nor
your estate will ever have to repay more
than what your property is sold for. This
Drawdown Lifetime Mortgage means you don’t have to worry about
A Drawdown Lifetime Mortgage allows you to release an initial cash sum and set passing on Lifetime Mortgage debt to
up a reserve of the remaining equity available to you. your loved ones.

You can draw upon this in the future and interest is not charged on the reserve
until the money is released, so opting for a Drawdown plan offers a useful way
to control the roll-up of interest. You can also make voluntary repayments with
these plans.

An adviser will explain that interest is fixed at the prevailing rate each time you
access funds. Therefore, bear in mind that your interest rate could be higher or
lower than the interest rate of your initial release if you do decide to access the
reserve in the future.

Reader’s Digest Equity Release have carefully selected a range of products with flexible features
throughout. This selection is designed to offer fair value for you and your family, both now and in
the future.

8 9
 Remember!

Making payments
With a Lifetime Mortgage, payments are voluntary so you
can stop or start making them at any point without penalty.

Interest has a significant impact on the cost of borrowing with equity release as it rolls up
on a compound basis. There is no requirement to make payments during your lifetime with
the products offered by Reader’s Digest Equity Release, but your adviser will encourage you
to consider whether making these on a voluntary basis would benefit you.

If you decide to release equity and your choice is a Lifetime Mortgage, you could:

Option 1 – Make voluntary interest payments

You can make payments towards the interest and doing so can significantly reduce your
overall cost of borrowing. There could be Lifetime Mortgage product options available that
allow you to pay off all of the interest monthly, or you could make smaller and less frequent
contributions when possible.

Option 2 – Make voluntary capital repayments

With some plans, you can also make partial repayments of up to 10% of the initial amount
borrowed each year without penalty. These can be done on an ad-hoc basis, reducing the
amount you owe and reducing the amount against which interest is charged.

Option 3 – Make no monthly repayments

With a Lifetime Mortgage, you are not required to make any payments until you pass away
or enter long-term care and your home is sold. At this point, the amount borrowed plus
interest must be paid back.

As there is no requirement to make any payments, there are no affordability checks, and
many homeowners choose equity release so that they can enjoy their later years free of

0800 023 9349

required repayments.

Bear in mind that the more you allow interest to roll up, the more that will have to be
repaid from the sale of your home. This will reduce the value of any inheritance you plan An adviser can provide you with a personalised cost of borrowing.
to leave. Book your initial, no-obligation advice appointment today.

10 11
 Did you know?

Other borrowing options
We want to help you feel confident and empowered to make the right choice. With Reader’s
Digest Equity Release, you can trust that all of the options available to you are considered.
Your adviser may even determine that borrowing is not your best option.
With Reader’s Digest Equity Release, you’ll be encouraged to consider
whether accessing existing savings or other assets could help you
achieve your goals.

At your appointment with an adviser, your income and expenditure will be discussed to see
if one of the following borrowing options might be suitable in your circumstances:

Retirement Interest-Only Mortgage

A Retirement Interest-Only Mortgage (RIO) allows you to unlock a tax-free cash sum
from your home, with the requirement to pay off the interest monthly. The initial amount
borrowed is then repaid when the last homeowner passes away or enters long-term care.

If your adviser determines that you are able to make payments each month, a RIO might be
suitable for you. Unlike equity release, there will be affordability checks to determine if you
can get a RIO.

Traditional mortgage
You might assume that upper age limits on a traditional mortgage will mean that it’s not
a good option for you, but there are products available for over 55s that could still be
suitable.

To be eligible, you will need a guaranteed income in retirement so that you can afford
required monthly payments. Repayment options can range from capital repayment to
interest-only.

How will I know which product is right for me?

There are important things to consider when taking out a mortgage with required
repayments. Think carefully before securing other debts against your home. Your home may
be repossessed if you do not keep up repayments on your mortgage.
As part of the advice process, you’ll discuss your current financial situation, looking
at information including any mortgages or loans you may have, your net income and
pension, and your regular expenditure.
By gaining an understanding of these circumstances, your adviser will be able to see
if you can afford to do things like make regular monthly payments and determine the
most suitable solution to recommend.

12 13
 Could you consider downsizing? Here’s an example of how
Borrowing against your home is not the only way that you can turn some of the value held
within it into money that can be used. Some homeowners may also consider selling and
downsizing works:
moving to a smaller home.

As with all major decisions, it’s best to approach downsizing being fully informed about
the process and the potential costs that could be involved. These will likely include estate
agency fees, stamp duty or land tax, and possibly surveys, removal charges and legal fees.
HOUSE SOLD FOR HOUSE BOUGHTFOR
It’s also important to consider how downsizing might affect your lifestyle and monthly
outgoings. Would the newer property be more economical? Could the bills be lower? Could £341,000 £272,000
you enjoy the same quality of life that you currently do?

On the other hand, might you be able to access the same amount, or even more, by taking
out a Lifetime Mortgage, Retirement Interest-Only Mortgage, or traditional mortgage?
Would you rather stay in the home you love and remain surrounded by your existing SOLD
support network?

POTENTIAL COSTS
INVOLVED WITH MOVING
£8,419
CONVEYANCING &
ESTATE AGENCY FEES STAMP DUTY OTHER LEGAL FEES SURVEY REMOVAL COSTS

£3,862 £1,100 £1,650 £507 £1,300

TOTAL CASH RECEIVED

from downsizing £60,581

Make sure that you consider both monetary and personal costs. Remember that if you
0800 023 9349
decide to borrow money to unlock the value of your home you will be charged interest, An adviser will consider all of the options available to you,
whereas the costs associated with downsizing are one-off expenses. book in your no-obligation appointment today.

14 15
 What can you use your released
equity for?
No matter how you choose to unlock the value of your home, there are many things that
you can do with the money you release. Here are some of the things our customers have
done with theirs which you might consider:

2. Renovate
1. Pay-Off 3. Help out
The home improvements
Many over 55 homeowners See your loved ones benefit
you’ve always wanted could
are releasing equity to clear from their inheritance during
be possible if you release
an existing mortgage, whether your lifetime by helping
equity. From a new kitchen
that be capital repayment or children and grandchildren
or bathroom to a redesigned
interest-only. In doing so, you with house deposits, living
garden, the cash you unlock
could greatly increase your costs, weddings or other major
can help you get your space
retirement budget. life events.
just right.

4. Enjoy 5. Manage 6. Ongoing Care

Releasing equity can help
With more cash available for the things Worry not, equity release can help to fund
you to manage your estate,
that matter, you could bask in your ongoing care or prepare for future care
stabilise your finances and
retirement freedom by buying a new needs, whether that is live-in or private
even prepare for potential
car or funding hobbies new and old. medical treatments.
future Inheritance Tax liability.

7. Adapt
Future-proof your home and ensure it remains
suitable for you no matter your needs. You
could convert your downstairs bathroom, install
a stair lift, or add other accessibility features.
8. Travel
More time at your disposal? You
could take a bucket-list road trip or
use your equity to fund a series of
luxury getaways closer to home.

16 17

The benefits of seeking advice
Making any kind of financial decision can be daunting as you’ll want to be sure you are
doing the right thing. Whether you are currently considering a specific solution or are
new to exploring the options on offer, Reader’s Digest Equity Release will help make the
decision-making process as clear and simple as it should be.
You must seek fully qualified advice and take the time to consider all of the options
available to you if you are planning on applying for an equity release product.
All options considered
As the market grows and more options and features become available, it is
increasingly important to get the required advice from someone you can trust.
Reader’s Digest Equity Release can help by providing access to a nationwide
network of friendly and fully qualified advisers.
Your Reader’s Digest Equity Release adviser will be able to talk you through all
of the available options and make a recommendation based on your personal
circumstances. After all, what is right for one individual may not be right for
everyone and if there is a more suitable way for you to achieve your goals you
can count on your adviser to tell you.
18
Full transparency
You must consider how any decision you make may affect your future plans,
as releasing equity will reduce the value of your estate and could affect your
entitlement to means-tested benefits. An adviser will be able to help you
understand this and explain the impact of any risks in detail. They will be able
to walk you through our selected plans and the features available to help you
mitigate the impact of these risks.
Your adviser will provide you with a personal illustration, helping you to
understand the potential costs and see exactly what you will owe, both now and
in the future. Your personal illustration will demonstrate the implications of your
chosen product features, such as whether you opt to make payments.
Personal and at your pace
By choosing to get advice from Reader’s Digest Equity Release, you will be
assigned to one personal adviser who will oversee the whole process on your
behalf. No two homes are the same and we want to make sure that you receive
advice that is relevant to you. Because we have a nationwide network of advisors,
you’ll be matched with somebody local, and they can utilise their knowledge
and experience of homes in your area to smooth out the process and foresee any
delays where possible.
This service is always provided without obligation or pressure. Our aim is to
ensure you have all the information you need to make the best decision for you.
You won’t be charged a penny by Reader’s Digest Equity Release until your plan
completes and you receive your funds. Your adviser will always take your lead. It’s
your journey so you determine the pace, whether you decide that it pays to be
patient or need your adviser to work around the clock to meet a tight deadline.
19
 Step-by-step guidance
Every journey to releasing equity is different, but it’s always reassuring to have a rough idea 5. Time to apply
of what to expect before you start yours.
If you decide to go ahead with their recommendation, your adviser will be on hand
Reader’s Digest Equity Release is on hand to guide you from start to finish. The advice to help with all the paperwork. A solicitor of your choosing will talk you through the
process is designed to keep clarity, so you’ll be kept in the loop the whole way and won’t terms of your offer before you commit to anything.
need to worry about any jargon. Here’s what you can expect:

6. Receive your equity

1. We’ll talk to you
Speaking with our Information Team is the first step. They can check your eligibility
for equity release, share initial estimates, and answer any of your pressing questions.
When you’re ready, the Information Team can then arrange for you to have a free,
no-obligation appointment with an adviser.
Once any secured charges and mortgages have been
cleared, your funds are transferred to you. Only at this
stage will you pay Reader’s Digest Equity Release
any fees.

2. We’ll provide expert advice

Reader’s Digest Equity Release will pair you with a fully qualified adviser who will
provide you with the required expert advice. They will meet you at a time and place
of your choosing, usually at your home but you can also opt to receive remote
advice via video or telephone.

3. We’ll help you consider your options

At your advice appointment, your adviser will find out more about your financial
circumstances, including your income and expenditure, so that they can help you
determine if releasing equity could meet your needs. You’ll learn more about the
benefits and risks of the different options available, so you can feel confident that
you are making the right choice.

4. Time to think
There’s no rush to make a quick decision. After really getting to know your
circumstances, your adviser will provide a recommendation and then it’s up to you
to take as much time as you need to decide if you’d like to proceed. They will be
around if you need to talk it through.
No pressure process
There is no obligation to proceed at any stage of the process. If releasing
equity isn’t right for you, you can be sure that your adviser will tell you. We
are more than happy for you to attend your appointment with family or
loved ones so that you can be sure the outcome meets all of your needs.
Start your journey with Reader’s Digest Equity
Release today, and call us on 0800 023 9349.

20 21
 Frequently asked questions
When thinking about releasing equity, we know that it’s important to get the right
information. That’s why we have chosen some frequently asked questions below, so you can
feel confident that you have all the facts when making your choice.
Will you still own your home?
There is a common misconception that if you take out an equity release product, you will
lose your home. Know that with a Lifetime Mortgage, you will always remain the owner of
your home. Instead of selling it, you’re simply borrowing from it.
What happens if you have an existing mortgage?
If you have an existing mortgage, you can still release equity providing you can pay off the
outstanding mortgage once you have unlocked the money. In fact, many homeowners use
equity release to clear their existing mortgage and stop or reduce monthly payments when
over the age of 55.
Will releasing equity affect your loved ones?
It’s natural to wonder whether any financial decision you may make could affect your
nearest and dearest. Releasing equity will reduce the value of your estate, but at Reader’s
Digest Equity Release we are happy to involve your loved ones in the advice process.
Loved ones are encouraged to attend your advice appointment and your adviser will discuss
the options available to mitigate the impact of any recommendation on your possible
inheritance. You could even use the released funds to gift an early inheritance.
22
What if your financial situation changes?
If you opt for a product with required repayments, bear in mind that you are committed to
making monthly payments and there is a risk of losing your home if you do not keep up
with these.
Equity release with a Lifetime Mortgage is an increasingly flexible way of borrowing as
there is no requirement to make repayments. While your adviser will encourage you to
consider whether you can make payments, when possible, these can be stopped at any time
and as such your financial situation changing won’t impact this.
Rest assured; you can also still move home should you later decide you’d like to. All
Lifetime Mortgage products we advise on meet the standards of the Equity Release Council,
meaning that you will be guaranteed portability. This means that you can move your plan to
another property providing it meets the criteria set out by the lender.
What is the Equity Release Council?
The Equity Release Council is a voluntary body that holds its members to a required set of
standards, including on the products they offer. These standards include fixed or capped
interest rates for life and the guarantee that you can make penalty free payments, subject
to lender criteria.
All Responsible Lending products meet the Equity Release Council’s product standards, so
you will benefit from all the safeguards that this entails.
Is equity release regulated?
The equity release industry is fully regulated by the Financial Conduct Authority (FCA).
How much does advice cost?
With Reader’s Digest Equity Release, your advice fee won’t exceed £1,490. By charging a
capped fee as opposed to a percentage of the amount borrowed, you won’t pay more for
simply wanting to borrow more.
23
 Customer story

The top priority for Steve and Catherine (74 & 71) was always
the needs of their children, so their savings had taken a back
seat.
With a growing financial wish list, the couple decided that they wanted to explore their
financial options. Having originally bought their semi-detached house in Guildford for
£65,000 in 1995, they were aware that their home’s value might have increased to as much
as £500,000 and unlocking some of this value could be key to achieving their goals.*

Family attachment to their home meant that downsizing was ruled out straight away. After
a discussion with their children, they agreed that finding out more about equity release
would be worthwhile.

Steve and Catherine sat down with an adviser and explained that they wanted to release
some money to achieve long-held ambitions like purchasing a motorhome and extending
their garden. Soon, their twin granddaughters would be starting university, so they also
wanted to gift some money to help with their rising student living costs.

Their adviser took the time to explain the benefits and risks of all of their options and, after
talking through their income and expenditure, determined that a Lifetime Mortgage would
be a suitable way for them to achieve their objectives and unlock some of their growing
property wealth. It was possible to release an initial £110,000 to fund their goals and this
money would help them clear the remainder of their current mortgage in the process.

At their advice appointment, they learned that they could make voluntary payments if there
was money left over at the end of the month. This, combined with the fact that the couple
were offered interest rates fixed for life, reassured them that they could always be in control
of how quickly interest was building up.

Now, Steve and Catherine are really enjoying their retirement. Work has started on their
garden, and they’ve even helped move the girls into their new accommodation up north
with their new vehicle.

Steve and Catherine 0800 023 9349

Find out how your property could work for you.
*Home.co.uk, House Prices Report for Guildford, Jan 2022 to Jan 2023. The friendly UK-based Information Team is available:
Monday to Friday 9am-8pm

24 25
 Why choose Reader’s Digest
Equity Release?

Reader’s Digest Equity Release will give you access to advisers with decades of experience
under their belts. They will advise on a carefully selected range of products with flexible
features prioritised throughout.

What assurances do we make?

We want to make sure you are comfortable and confident when making decisions about
the value of your home. That’s why we will assess your suitability for a range of solutions
designed to help you take advantage of your property wealth. We find that the most
popular way of releasing equity is with a Lifetime Mortgage. However, we want to ensure
that you have access to a wide range of solutions and can also provide you with access to
Retirement Interest-Only Mortgages and traditional mortgages if these are more suitable.

If we cannot recommend a product from our pre-selected panel, we may be able to refer
you to a service that consider options from the wider market. Your adviser will discuss this
with you as part of the advice process. Full detail about the products that we offer, and their
associated features, can be obtained from your adviser.

Our background
Reader’s Digest is a trading style of Responsible Life, who have over a decade of experience
in supporting homeowners to make use of their property value.

Responsible Life have received a marketing contribution from Responsible Lending.

Responsible Lending may directly benefit from this promotion as one of the lenders on our
Here to help, even if a Lifetime
panel. Reader’s Digest Equity Release and Responsible Life are not obligated to recommend
Responsible Lending products so you will receive a fully impartial advice service.
Mortgage isn’t right for you.
Reader’s Digest Equity Release are specialists in all of the borrowing options available to
homeowners aged 55 and over, including RIOs and traditional mortgages. Rest assured,
whatever recommendation is made, we will endeavour to help you achieve this.

26 27
 Customer story

“My adviser will be able to support me through the

process if I have any future needs.”
“I wanted to enjoy some leisure time but my retirement dream was still a few
years off. My pensions and savings didn’t amount to much, with most of my
wealth tied up in the value of my home.

I realised that equity release might be able to fill the gap between my current
income and desired lifestyle, so booked an appointment with Reader’s Digest
Equity Release with the view to releasing a lump sum of the maximum amount
available to me.

My adviser questioned whether I really needed all of the money at once and
recommended that I instead opt for a Lifetime Mortgage with a drawdown
facility. This meant that I could release an initial amount to get started on my
home renovation projects and hop on a plane to catch up with my friends over in
Australia.

By managing the amount I took initially, my adviser was able to secure better
rates and I have the security of knowing that interest will only roll up on what
I have borrowed. Best of all, it is great to know that my adviser will be able to
support me through the process if I have any future needs.”

William, aged 68. Wales

A worked example for illustrative purposes only.

0800 023 9349

28 29
 Interested in an appointment?
Now that you have finished reading our guide, you may be thinking that releasing
equity could be right for you. You will likely have some further questions and wish
to find out more, so it is worth considering using our advice service. A fully qualified
expert can walk you through the options available, answer your probing questions,
and leave you well informed and confident in your decision.

There is never any charge for this service unless you choose to proceed and release
some of the equity from your home. If your case completes, Responsible Life Limited
charge an advice fee, currently not exceeding £1,490.

We don’t expect you to make any payments until you receive your cash; in fact, in
some cases, you can choose to have the advice fee deducted from your release before
the money hits your account.

0800 023 9349

An initial, no-obligation advice appointment could

30 31
 Call us: 0800 023 9349
Visit us: www.readersdigestequityrelease.co.uk
Email us: info@readersdigestequityrelease.co.uk

View our Privacy & Cookie Policy here:

www.responsiblelife.co.uk/privacy-policy
Reader’s Digest Equity Release
Mills Bakery, Royal William Yard
Plymouth, PL1 3GE

Reader’s Digest Equity Release is a trading style of Responsible Life Limited. Responsible
Life Limited is authorised and regulated by the Financial Conduct Authority and is entered
on the Financial Services Register (https://register.fca.org.uk/) under reference 610205.

Responsible Life have received a marketing contribution from our partner organisation,
Responsible Lending, for this promotion. Your adviser will only recommend a Responsible
Lending product to you if it is suitable to do so. Any conflict of interest arising from this
marketing contribution is managed by Responsible Life and overseen by our Compliance
Officer. For further details on the value of this contribution please contact us at
compliance@responsible.co.uk.

32