THIS PRODUCT IS AN EXCELLENT COMPLEMENT TO YOUR DIVERSIFIED MUTUAL FUND PORTFOLIO. IT PROVIDES HIGH CURRENT FIXED INCOME RETURNS WITH FIXED AND VARIABLE RATE OPTIONS.

Best Suited for

  • Short to medium term investors
  • An alternative to low bank time deposit rates
  • Investors looking for low risk investment allocation in their portfolio

Product Details

Topic Detail
Currency USD $
Minimum Contribution USD 2,400 per annum
Minimum Increase USD 2,400 per annum (As Rider)
Interest Rate 1 12-Month US LIBOR + 1.50% per annum, adjusting annually
Minimum rate 3.5%
Maximum rate 6%
Modal Premium Annually, Semi-annually, Quarterly, and Monthly 2
Investment Terms 15 years
Principal Protection 100% 3
Annual Administration Charge 1.125% years 1 - 15
Bid/Offer Spread NIL
Policy Fee No Policy Fee during the first year, USD 7.00 Monthly afterwards
Loyalty Bonus 4 7.5% of contributions years 1 - 10
5% of contributions years 11 - 15
Surrender Charge Equal to the sum of the annual administration charges due for the remaining contract years at the time of surrender.
Free Partial Withdrawals Free Interest withdrawals allowed after the completion of second year. Capital withdrawals allowed after the completion of the second year, subject to maintaining USD 2,400 surrender value. Minimum surrender is USD 600. Capital withdrawals trigger automatic decrease in interest rate to 3.5% per annum.
Issue Age 18 - 70 years
Guaranteed Death Benefit 5 In the event of a relevant death, the standard amount payable will be 101% of the Account Value.
Topic Detail
Currency USD $
Minimum Contribution USD 10,000
Minimum Increase USD 10,000 (As Rider)
Interest Rate 2.25%
Investment Terms 3 years
Principal Protection 100% 3
Administration Charge NIL
Policy Fee USD 7.00 Monthly
Liquidity Percentage of initial investment, subject to surrender charges:
End of year 1 - 35%
End of year 2 - 70%
End of year 3 - 100%
Surrender Charge End of year 1 - 3%
End of year 2 - 2%
End of year 3 - 0%
Issue Age 18 - 85 years
Guaranteed Death Benefit In the event of a relevant death, the standard amount payable will be 101% of the Surrender Value.
Topic Detail
Currency USD $
Minimum Contribution USD 10,000
Minimum Increase USD 10,000 (As Rider)
Interest Rate 3.0%
Investment Terms 5 years
Principal Protection 100% 3
Administration Charge NIL
Policy Fee USD 7.00 Monthly
Liquidity Percentage of initial investment, subject to surrender charges:
End of year 1 - 20%
End of year 2 - 40%
End of year 3 - 60%
End of year 4 - 80%
End of year 5 - 100%
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%
Issue Age 18 - 85 years
Guaranteed Death Benefit In the event of a relevant death, the standard amount payable will be 101% of the Surrender Value.

1. Interest rate drops to minimum rate of 3.5% if plan is not current or capital withdrawals are made.
2. Monthly payments are only available with Credit Cards and Direct Debit.
3. 100% Principal Protected, subject to surrender charges.
4. All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, for the Loyalty Bonus to take effect.
5. The Guaranteed Death Benefit shall not be payable if the Insured dies within the first 2 years of the Policy Issued Date from an illness or physical condition that pre-existed the Issue Date or if the Insured commits suicide. If all required contributions are not paid within the grace period, this benefit shall terminate and will not be reinstated.