*Terms of use: Moneyfacts Annual Star Ratings are copyright and may only be used or replicated by licence. The Moneyfacts Annual Star Ratings are assessed annually and in order to benefit from the above marketing potential a licence must first be obtained from Moneyfacts Group. The licence runs for one calendar year starting from the release date of the annual assessment regardless of when purchased. In order not to miss market advantage, early purchase is strongly recommended. Licences only apply to the accredited product and not across a range unless a range of products has been accredited and a multi-licence has been purchased from Moneyfacts Group.