packaged product
- (a) a life policy;
- (b) a unit in a regulated collective investment scheme;
- (c) an interest in an investment trust savings scheme;
- (d) a stakeholder pension scheme;
- (e) a personal pension scheme;36
whether or not (in the case of (a), (b) or (c)) held within an ISA or a CTF522 and whether or not the packaged product 67 is also a stakeholder product.24