Start Making Contributions Now
It is important for you to determine the amount of regular savings that you will need on a consistent basis to fund your financial objectives. The earlier you start saving, the greater the benefits of compounded returns in the future. You may be surprised at how much even small contribution amounts can grow to over a period of time.
Award Winning Product
Evolution Plus Plan has been named 'Best International Savings Plan' by International Investment, a prominent publication for international independent financial advisers, wealth management professionals serving expatriate and cross-border clients worldwide.
Client Incentives
Loyalty Bonuses and Extra Allocations
Mutual Funds
Wide range of options from Top Asset Managers
Monitor Portfolio Online
Ability to monitor investment portfolio anywhere at anytime
Earn Extra Allocations and Loyalty Bonuses
The more money you commit to investing in your financial plan, the more you can save. When annual contributions to your plan exceed specified amounts, you can earn extra allocations throughout the term of the plan. These extra allocations will help you reach your future investment goals.
| Annual Investment Amounts | Allocation Rates |
|---|---|
| USD/EUR/GBP 1,200 - 1,799 | 100% |
| USD/EUR/GBP 1,800 - 3,599 | 101% |
| USD/EUR/GBP 3,600 - 5,399 | 102% |
| USD/EUR/GBP 5,400 - 7,199 | 103% |
| USD/EUR/GBP 7,200 - 13,499 | 104% |
| USD/EUR/GBP 13,500 or greater | 105% |
Loyalty Bonuses based on USD/EUR/GBP 5,000 Annual Contribution
Key Features
Product Details
| Topic | Detail |
|---|---|
| Currency | USD $ - EUR € - GBP £ |
| Minimum Contribution | USD/EUR/GBP 1,200 per annum (5 year plans: minimum x 2) |
| Riders | Minimum Increase: USD/EUR/GBP 600 per annum |
| Modal Premium | Annually, Semi-annually, Quarterly, and Monthly 1 |
| Investment Terms | 5, 10, 15, 20, and 25 years |
| Annual Administration Charge |
1.9% years 1 - 10 0.35% years 11 thru Term of Plan |
| Bid/Offer Spread | NIL |
| Policy Fee | USD/EUR 7.00 (GBP 4.5) Monthly |
| Structure Fee 2 | 0.125% monthly of Account Value |
| Fund Transfer Fee | Free 3 |
| Guaranteed Death Benefit 4 | In the event of a relevant death, the standard amount payable will be 101% of the Account Value. |
| Extra Allocations |
USD/EUR/GBP 1,200 - 1,799 100% USD/EUR/GBP 1,800 - 3,599 101% USD/EUR/GBP 3,600 - 5,399 102% USD/EUR/GBP 5,400 - 7,199 103% USD/EUR/GBP 7,200 - 13,499 104% USD/EUR/GBP 13,500 or > 105% |
| Loyalty Bonus 5 |
7.5% of contributions years 1 - 10 5% of contributions years 11 - 15 5% of contributions years 16 - 20 5% of contributions years 21 - 25 |
| Surrender Charge | Equal to the sum of the annual administration charges due for the remaining contract years at the time of surrender. 6 |
| Free Partial Withdrawals | Allowed after the completion of the initial period, subject to maintaining USD/EUR/GBP 1,200 surrender value. |
| Issue Age 7 |
5 Year Term: 18 - 80 years 10 Year Term: 18 - 75 years 15 Year Term: 18 - 70 years 20 Year Term: 18 - 65 years 25 Year Term: 18 - 60 years |
| Topic | Detail |
|---|---|
| Currency | USD $ - EUR € - GBP £ |
| Minimum Contribution | USD/EUR/GBP 12,000 per annum |
| Riders |
Lump Sum Minimum: USD/EUR/GBP 2,500 Minimum Increase: USD/EUR/GBP 12,000 per annum |
| Modal Premium | Annually, Semi-annually, Quarterly, and Monthly |
| Annual Administration Charge | 1% over Annual Original Premium during 5 years |
| Bid/Offer Spread | NIL |
| Policy Fee | USD/EUR 10.00 (GBP 7.00) Monthly |
| Structure Fee | 0.125% monthly of Account Value (1.5% p.a.) |
| Credit Card Fee | 3.5% |
| Fund Transfer Fee | Free 3 |
| Guaranteed Death Benefit 4 | In the event of a relevant death, the standard amount payable will be 101% of the Account Value. |
| Surrender Charge |
End of year 1 - 4% End of year 2 - 3% End of year 3 - 2% End of year 4 - 1% End of year 5 - 0% |
| Partial Withdrawals | Allowed anytime, subject to maintaining USD/EUR/GBP 10,000 surrender value. |
| Issue Age | 18-85 Years |
| Topic | Detail |
|---|---|
| Currency | USD $ - EUR € - GBP £ |
| Minimum Contribution | USD/EUR/GBP 12,000 per annum |
| Riders |
Lump Sum Minimum: USD/EUR/GBP 2,500 Minimum Increase: USD/EUR/GBP 12,000 per annum |
| Modal Premium | Annually, Semi-annually, Quarterly, and Monthly |
| Annual Administration Charge | NIL |
| Bid/Offer Spread | NIL |
| Policy Fee | USD/EUR 10.00 (GBP 7.00) Monthly |
| Structure Fee | 0.16% monthly of Account Value (1.92% p.a.) |
| Credit Card Fee | 3.5% |
| Fund Transfer Fee | Free 3 |
| Guaranteed Death Benefit 4 | In the event of a relevant death, the standard amount payable will be 101% of the Account Value. |
| Surrender Charge | Only 1.92% during first year. No surrender charges after year 1. |
| Partial Withdrawals | Allowed anytime, subject to maintaining USD/EUR/GBP 10,000 surrender value. |
| Issue Age | 18-85 Years |
1. Monthly payments are only available with Credit Cards and Direct Debit.
2. This fee may also be referred to as “Asset Management Fee.”
3. Fund transfers are free up to 15 switches per year. Please refer to the plan documents for further detail on additional transaction fee.
4. Limitations apply. Please refer to your Policy Documents for full details.
5. There will be no Loyalty Bonus for Full Contribution Payment Terms less than 10 years. All contribution payments due must have been received within the grace period, with no Contribution Decreases or Partial Withdrawals, for the Loyalty Bonus to take effect.
6. The Surrender Charge is waived at the end of plan year 15 if all contributions have been paid within the grace period, with no Contribution Decreases or Partial Withdrawals, for the first 15 plan years, regardless of the actual term of the Full Contribution Payment Term.
7. The issue age limit may vary depending on the jurisdiction, please contact the Company for further information.