Royal London has maintained bonus rates on with profits policies while increasing the majority of final payouts.
From 1 January, regular bonus rates will be hold for Royal London policies and held or increased for Scottish Life policies.
In addition, most final bonus rates have increased for both Royal London and Scottish Life when compared with January last year.
Final bonus rates for Royal London regular premiums has increased from 24.6% to 27.7% for a 15-year term, from 46.5% to 50.4% for 20-year term products and from 62.5% to 69.7% for 25-year term products.
Meanwhile, the annual bonus rate on Scottish Life conventional with profits endowments were held at 0.1%, while the annual bonus for Scottish Life unitised with-profits was raised to 2% in 2011 from 0.1% the previous year.
The annualised return on a Royal London 25-year with profits endowment is 5.9% - an annualised real rate of return of 2.8%.
"Our policyholders have once again enjoyed good returns from their with profits policies over the medium to long term," said Royal London group finance director Stephen Shone. "We believe that for such investors the fundamental argument for investing in real assets remains strong."
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From 1 March