Investment Bonds and Ex-Post Disclosure

Morning All

Just a quick question on this which I am sure has been done to death so apologies. One of our advisers has questioned whether Investment bonds need to fall under the aggregated annual charges disclosure that other products may fall under.

We have always included them as we include all products as good practice, however, is there a specific rule for insurance based investment products. I appreciate they may not necessarily fall under MiFID rules but my understand was the IDD rules that it does fall under were pretty much in line with the MiFID rules nowadays anyway.

COBS 16A is the nearest thing I can find to confirm this but wondered if anyone had a specific source to confirm this either way.

Regardless we will continue providing it for all as good practice but its annoying me I can't find anything specific on this.




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