post and pre alignment example

This image shows the position for Marco.

The post-alignment PIA is £75,467 times 272/430 equals £47,737.27  The pre-alignment PIA is £75,467 minus £47,737.27 equals £27,729.73 

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.