Roland Ward

Clerical Medical Finance Plc is engaged in providing investment facilities to middle-class professionals . The company's products include life insurance and other investment products, such as a variety of bonds (flexible growth, income, and others) and offshore investment funds. Clerical Medical is also engaged in selling up the group and individual pension plans, as well as savings plans. The company is a subsidiary of Halifax which provides home mortgages.

Scottish Widows Ltd. (Investment Portfolio) (Scottish Widows-IP) is the investment portfolio division of Scottish Widows Ltd., a life insurance and pensions company headquartered in London, UK. The firm was founded in 1996 and is a subsidiary of Scottish Widows Group Ltd., which is owned by Lloyds Banking Group Plc (LON: LLOY) in Great Britain. Their product range includes workplace and individual pensions, annuities, life cover, critical illness, income protection as well as savings and investment products. Scottish Widows-IP manages the investment portfolio of insurance clients.