Scotish Amicable Bonus Declaration for 1999

Prudential PLC
23 February 2000


      Scottish Amicable Bonus Declaration For 1999
                                        
Scottish Amicable today announced its bonus rates for 1999.

The annualised rate of Daily Price Increase for current pensions contracts
is 5.375% from 1st April 2000. (6.0% in 1998 declaration).
For unitised with profits life contracts the rate of bonus is 4.75%
(5.25%) on basic units and 5.75% (6.75%) on bonus units.
For the Principal Bonus Series, the bonus on the with profits benefit
assured will be 1.9% (2.2%) per annum, while bonus on existing bonus
will be 3.3% (3.7%) per annum.
The annualised rate of Daily Price Increases for the With Profits - Life
Insurance ISA is 5.25% from 6th April 2000 (5.75% in '98 declaration).
Annualised bonus yields will be 8.5% for investments made from 6/4/00 and
9% for investments made in 6/4/99 to 5/4/00.*

Angus Robertson, Appointed Actuary of Scottish Amicable said:

'Scottish Amicable aims to allocate profits to with profits investors in a
fair and equitable manner and provide good value for policyholders.  The
current economic situation of low inflation has been reflected in reductions
in reversionary bonus rates to ensure that we continue to be able to provide
the best possible overall returns to our policyholders.

'And, while the current economic situation has meant that returns have been
lower in recent years, Scottish Amicable has delivered good value for with
profits policyholders compared to other forms of investments.

'With the financial backing of Prudential we are well placed to take advantage
of future investment opportunities for the benefit of our policyholders -
providing good payouts to current and future investors.'


For further information please contact:

Angus Robertson, Appointed Actuary, Scottish Amicable
Darragh Leeson, Ian Spencer, Press Office, Scottish Amicable    01786 403244

The value of an investment and any income from it may fluctuate and is
therefore not guaranteed.  Past performance is not necessarily a guide to
future performance.


Notes to editors:

* The Annualised bonus yield figures include terminal bonus which may vary and
is not guaranteed.

Sample payouts for policies maturing on 1 April 2000 are detailed below with
equivalent figures for 1 April 1999 shown for comparison.

With Profits Endowment
Term (Years)     Maturity Value at 1 April      Maturity Value at 1 April
                 1999 (£)                       2000 (£)
10               10,258                         10,243
15               20,674                         21,113
20               42,875                         41,315
25               98,107                         90,188
Figures are based on a male aged 30 at outset paying £50 per month.

Personal Pensions (Annual Contribution)
Term (Years)     Maturity Value at 1 April      Maturity Value at 1 April
                 1999 (£)                       2000 (£)
5                14,985                         15,050
10               40,822                         40,783
15               91,010                         92,258
20               216,059                        210,288
Figures are based on an annual contribution of £2,000 per annum, male,
retiring
at age 65, contributions payable on an 'N' basis.

Figures at 1 April 1999 (i.e. following the 1998 declaration) are given for
comparison.  The returns quoted include bonuses which arose solely due to
the demutualisation of Scottish Amicable.  Returns may vary in future
between Scottish Amicable Life and Scottish Amicable Insurance Fund
policies.