Customer Centre for German and Irish Equitable Life Policyholders

To help us get your enquiry to the right team as soon as possible, please let us know how we can help you today.

What are you looking for?

About us

Who we are

Equitable Life is the first and oldest mutual life assurance company in the UK. It was established in 1762 and was set up and run for its members.

On 1 January 2020, Equitable Life policies transferred to Utmost Life and Pensions, with the exception of Irish and German policies.  The Irish and German policies remain with Equitable Life which in turn became a wholly owned subsidiary of Utmost Life and Pensions.

Utmost Life and Pensions is a UK life and pensions company helping customers plan and save for the long term, with roots going back over 100 years. Utmost Life and Pensions is authorised by the Prudential Regulation Authority (PRA), and regulated by the Financial Conduct Authority (FCA) and the PRA.

Facts about the history of the Equitable Life can be found here.

Our Board

This is the same as the Utmost Life and Pensions Limited Board and can be found here.

Forms and Documents

Forms and documents for Equitable Life German policyholders can be found here.

Forms and documents for Equitable Life Irish policyholders can be found here

Unit linked funds

Did you know ……

  • You can call, email or write to us to change the unit-linked funds you are invested in.
  • You can find details of our latest fund and markets update bulletin here.
  • You can download our guide Guide to how we manage our unit linked funds
  • Details of the fund charges, including transaction costs, to 31 December 2023 can be found here


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. It is important that you regularly review your unit-linked investments to make sure that they fit your needs and that you are comfortable with the level of risk.

Unit Prices

You can find the latest and historical* unit-linked bid prices here.

*to find historical fund prices you should follow the instructions below:

Put a tick next the chosen fund and click on ‘Add to charting tool’ and this will bring up an interactive chart

Click on ‘Chart settings’ and choose ‘Price’

When you move your cursor over the graph a red line will appear and you can move this up and down to see historical prices and the date and the bid price will show at the top of the chart.

To obtain the right information for your policies you will need to choose Equitable Life from the dropdown menu in the top left hand corner (which will show ‘All products’ when you first open the link).

Fund factsheets

Please click here to find the following information:

  • Fund factsheets, which include fund objectives and risk ratings - to open the factsheet, you need to click on the fund name
  • Historical performance data
  • Details of charges

With-profits fund

Where can I find information on the with-profits fund?

The document Principles and Practices of Financial Management (PPFM) explains how the with-profits fund is managed and we also publish an explanation of the latest changes to the PPFM.

The PPFM only applies to UK Style German with-profits policies.  A German translation is linked here - Principles and Practices of Financial Management (PPFM)

Following the implementation of the Proposal on 1 January 2020 all other with-profit policies of the Equitable were converted to unit-linked. Irish and German policies remain with the Equitable. The UK and International policies were transferred to Utmost Life and Pensions, which the Equitable is now a subsidiary of.

Where can I find the latest reports on the with-profits fund?

We publish a report which covers the management of the with-profits fund. This is the Annual report to with-profits policyholders.

We also publish a guide for our unit linked funds which provides information about the funds and their features.

Who is the Investment Manager for the with-profits fund?

The principal investment of the with-profit fund is managed by J P Morgan.

How do you take account of environmental, social and governance factors when investing?

Environmental, social and governance factors (ESG or sustainability) are integrated into the investment manager’s process.

J.P. Morgan Asset Management (JPMAM) is committed to delivering superior investment performance to its clients worldwide. They believe that explicit incorporation of material Environmental, Social and Governance information in the investment process can help to deliver enhanced, risk-adjusted returns over the long-run. JPMAM have been practicing sustainable investing, in some capacity, for more than 30 years. They became a signatory to the UN PRI in 2007 and are committed to incorporating ESG factors into their investment practices and decisions. JPMAM offer various sustainable investing solutions across asset classes and geographies, and also have an established corporate engagement policy. They expect and encourage the companies in which they invest to demonstrate the highest standards of corporate governance and best business practice. JPMAM examines the share structure and voting structure of the companies in which they invest, as well as the board balance, oversight functions and remuneration policy. These analyses then form the basis of their proxy voting and engagement activity. They manage the voting rights of the shares entrusted to them as they would manage any other asset. It is the policy of JPMAM to vote in a prudent and diligent manner, based exclusively on their reasonable judgement of what will best serve the financial interests of their clients. So far as is practicable, they will vote at all of the meetings called by companies in which they are invested.

We support the incorporation of ESG factors into the investment process by JPMAM.

What is the asset mix of the with-profits fund?

The with-profits fund is principally invested in a multi-asset fund that provides exposure to a broad mix of assets split between the following investment types:

  • Shares 60%
  • Bonds 35%
  • Cash 5%

These percentages are approximate and are subject to change based on investment manager views over time.

Where can I find the fund charges including the transaction charges for the With-Profits fund?

The fund charges including the transaction charges for all funds can be found here.

Can you provide advice on with-profits funds?

No, we are unable to provide advice and recommend you seek independent financial advice. A financial adviser will inform you of the fee they charge for their service.

To let you know about my change of address

Did you know …..

  • You can scan and email us a signed letter confirming details of your new address. In certain circumstances we may need to request further information before we are able to update our records.

Please note we cannot accept just an email detailing your new address.

Group Schemes

Chair Statement

A document addressing the key points covered by Code of Practice no:13 – Governance and administration of occupational trust-based schemes providing money purchase benefits can be found here.

Service Level Agreements

In the period 1 January 2023 to 31 December 2023, 95% of payments were completed within 5 working days, 95% of illustrations and 90% of general servicing queries were completed in 10 working days. This information is based on our whole book. We cannot split this down into scheme level or policy type.

Trust Deed and Scheme Rules for a Group Money Purchase Scheme

If you are a trustee of a Group Money Purchase scheme and you require a copy of the Group Money Purchase scheme rules please contact us.

We do not hold a copy of the trust deed this should be held by your scheme trustees

AAF/01 (formerly FRAG21 report)

Here is a link to our Supplementary Auditor Report

Third Party Processors

Details of our third party processors can be found here.

I want to make a complaint

If you would like to make a complaint there are a number of options available to you and details can be found in our 'How to make a complaint section'.

All other enquiries

If you were not able to find above the information you were looking for, you can contact us by phone or by email us at