FREEDOM & FLEXIBILITY

Investment Freedom and Flexibility

Investors Trust’s open architecture platform provides you with significant investment freedom by spreading and varying your investments across a wide spectrum of asset classes and regional markets, giving you the power to purchase an almost unlimited array of investments, including Stocks, Bonds, ETFs, Mutual Funds and Structured notes.
You have the option to invest by transferring existing investment holdings into the portfolio, invest with cash or build your portfolio using a combination of both. There is no restriction on the number of investments you can choose for your portfolio, making it easy to combine the expertise of numerous investment managers to help you reach a performance that matches your objectives.

LIQUIDITY

Convenient Access to Liquidity

Access Portfolio has been designed to provide you with the flexibility to change and adapt your investment choices as your needs and circumstances change, allowing you to have easy access to your money when you need it. With Access Portfolio, you have the ability to make free partial surrenders^¹ from your portfolio whenever you choose to do so. Additionally, Access Portfolio offers the flexibility of being able to borrow against your investment portfolio. A borrowing facility is useful for situations when timing difference could affect your ability to take advantage of market opportunities.^²

1. Subject to maintaining a minimum Cash Surrender Value of USD 15,000 / EUR 15,000 / GBP 10,000. Please refer to the products details and the policy terms and conditions for more information.
2. Borrowing facility is subject to prior approval and market conditions at the time of borrowing. The current maximum borrowing limit is up to 40% of Cash Surrender Value. Interest rates and lending limits are subject to change.

ONLINE ACCESS

State-of-the-art Platform

At Investors Trust, we understand the importance of having constant access to your investment portfolio online, as well as access to multi-language support, tools and resources to help you reach your investment goals. Using our secure account access website you will be able to monitor your portfolio, place service requests and manage your portfolio online at all times. Our convenient online dealing platform provides the fast service that you expect and the peace of mind of knowing that all your transactions are being processed in a platform that uses the strongest level of security to ensure the safety and confidentiality of all financial transactions and personal data. Regardless of how many different investments you hold within your Access Portfolio bond, you will always have access to all transactions history and portfolio values.

DEALING INFORMATION

Dealing Fee

Equities, ETFs, Mutual Funds and Structured Notes: USD 50 / EUR 50 / GBP 40
Fixed Income Assets: USD 100 / EUR 100 / GBP 80
The Dealing Fee will be deducted in the settlement currency of the relevant transaction. Where a currency conversion is required, the applicable exchange rate will be determined by the Company. All asset transactions submitted within the same request are treated as separate individual transactions. In the event that the nature of the Asset or the market in which it is traded causes the Insurance Company to incur extraordinary costs, additional fees may apply.

CURRENCY AND PAYMENTS

Currency and Minimum Payments

Your policy can be denominated in one of the following currencies: USD ($), EUR (€) or GBP (£). All statements, payments and charges will be in your chosen currency. The minimum lump sum contribution is USD 75,000 / EUR 75,000 / GBP 50,000. You can make additional lumpsum payments into your policy at any time. The minimum additional investment is USD 7,500 / EUR 7,500 / GBP 5,000.

For Access Select, the minimum lump sum contribution is USD 250,000 / EUR 250,000 / GBP 150,000.