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.

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

End of year 10
7.5% Loyalty Bonus
3,750
Cumulative Loyalty Bonus
3,750
End of year 15
5% Loyalty Bonus
1,250
Cumulative Loyalty Bonus
5,000
End of year 20
5% Loyalty Bonus
1,250
Cumulative Loyalty Bonus
6,250
End of year 25
5% Loyalty Bonus
1,250
Cumulative Loyalty Bonus
7,500

Key Features

  • Regular Contribution Plan
  • Investment Terms: 5, 10, 15, 20, and 25 years
  • Currency Options: USD ($), EUR (€) and GBP (£)
  • Low Minimum Contribution Amount
  • Free fund transfers
  • Ideal for education or retirement savings plan

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.