Our strategy and performance

It's the strength of our performance and our robust balance sheet which allow us to be there for our customers today and long into the future.

Our strategy

Our strategic framework focuses on the things that really matter and puts the customer at the heart of everything we do. It provides clear direction across all our markets for how we run our business:

True Customer Composite: We can provide customers with life, general, accident and health insurance and asset management – a True Customer Composite.  This is what sets us apart.  We are the only composite insurer of scale in the UK.

Digital First: We put Digital First. This is how we will capitalise on the breadth of what we can offer customers.  With their busy lives, customers are increasingly turning to digital to make things more convenient, easier and quicker.

Not Everywhere: We focus our resources where we can be most competitive. We will focus on a select number of markets and business lines where we have scale and profitability or a distinct competitive advantage – where we can win.

Find out more in our investors area.

Our performance

Read our latest annual report for a full review of our performance in 2017.  

Watch this short video about our 2018 half-year performance:

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Our targets

  • Operating EPS (earnings per share) – targeting greater than 5% growth from 2018.
  • Cash remittances - £8bn from 2016 to 2018 inclusive.
  • Dividend – payout ratio target of 50% in 2017, moving to 55%-60% by 2020.