GLOBAL DIVERSIFICATION | DEVELOPED MARKETS

The MSCI EAFE Index is a stock market index that is designed to measure the equity market performance of developed markets outside of the U.S. & Canada

MSCI Index Composition

Index Composition as of June 28, 2019

TOP 10 COMPANIES BY WEIGHT:

Companies Country Sector
NESTLE CH Consumer Staples
NOVARTIS CH Health Care
ROCHE HOLDING GENUSS CH Health Care
HSBC HOLDINGS (GB) GB Financials
ROYAL DUTCH SHELL A GB Energy
TOYOTA MOTOR CORP JP Consumer Discretionary
BP GB Energy
SAP DE Information Technology
TOTAL FR Energy
AIA GROUP HK Financials

Sector Breakdown

Product Details

10, 15 & 20 Year Regular Contribution Plan

Topic Detail
Currency USD $
Minimum Contribution USD 2,400 per annum
Minimum Increase USD 2,400 per annum (As Rider)
Modal Premium Annually, Semi-annually, Quarterly, and Monthly 1
Investment Terms 10, 15 and 20 years
Principal Protection 2 10 Year Term: 100%
15 Year Term: 140%
20 Year Term: 160%
Annual Administration Charge 10 Year Term: 2.0% per annum
15 Year Term: 1.7% per annum
20 Year Term: 1.1% per annum
Policy Fee USD 10 monthly
Structure Fee 0.125% monthly of account balance
Loyalty Bonus 3
(Percentage of Total Contribution During the Period)
1 - 10 Years: 7.5%
11 - 15 Years: 7.5%
16 - 20 Years: 5.0%
Surrender Charge The value of the remaining initial units.
Free Partial Withdrawals Allowed after the completion of the initial period, subject to maintaining USD 2,400 surrender value. Minimum surrender is USD 600. Free partial withdrawals available, but they negate the guarantee.
Issue Age 4 10 Year Term: ages 18 - 60
15 Year Term: ages 18 - 55
20 Year Term: ages 18 - 50
Guaranteed Death Benefit 5 In the event of a relevant death, the standard amount payable will be 101% of the Account Value.

1. Monthly payments are only available with Credit Cards and Direct Debit.
2. Guaranteed at maturity. This protection includes loyalty bonuses. All premium payments due must have been received within the grace period, with no contributions decreases or partial withdrawals, to qualify for guarantee. The underlying Principal Protection is derived from Structured Notes provided by highly rated financial institutions. The investor is facing Issuer/Counterparty Risk of these institutions. An insolvency of these institutions could lead to a partial or total loss of the capital invested by the investor. Please see plan documents for further details.
3. 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. Loyalty Bonus will be paid after years 10, 15 and 20. MSCI Index 10 Year Plans are not eligible for Loyalty Bonus.
4. The issue age limit may vary depending on the jurisdiction, please contact the Company for further information.
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.