Which scheme am I in?

The scheme has a DC and DB section. Whilst most of you are just in one section, some members have benefits in both. You can check the newsletter(s) you receive each year, and this will tell you which section you are in (you will receive both DC and DB newsletters if you are in both). If you have previously received documents from Friends Life (now Aviva) it is likely that you are in the DC section of the scheme.