Switching funds

It’s important to review the funds your policy is invested in regularly. This will help you make sure that your policy is invested in funds which reflect the level of risk you are prepared to take as you progress through your policy lifecycle. This is even more important if you have a pension and you are approaching retirement.

Please note that the value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of what might happen in the future.

We’ll remind you about the option to switch or change your investment fund in our regular policy updates.

You can switch fund by either contacting us and we’ll send you a fund switch pack, or you can download and print out our form.

You’ll need to either return it to us in the post or by email.

For former Equitable Life policyholders, it is possible to switch your investments using our online service MyUtmost. The button to register can be found at the top of this page.

The prices we’ll use to carry out your fund switch request will depend on when we receive your written instructions, and will be based on unit prices on the following working day after we receive your request.

If we receive your request by post or email before 5 pm on a normal working day, then we’ll treat it as being received on that day and will switch your fund using prices on the next working day.

If your request is received after 5 pm or on a day which isn’t a normal working day, then we’ll treat it as being received on the next working day, and will then apply unit prices on the next following working day when we switch your fund.

For Heritage Equitable Life customers joining Utmost on 1 January 2020

Did you know if you are a former Equitable Life policyholder, you are now able to manage your policy using our online service MyUtmost. By registering, you will have access to a range of information and forms, be able to switch your investments and have access to a secure messaging facility. The button to Register can be found at the top of this page.

If do not want to register for MyUtmost, you can download and print our fund switching forms here:

Switch Form

Utmost Drawdown Plans set up from March 2020 - Change In Investment Pathways Form