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. & CanadaKey Advantages
Increased Diversification
Exposure Outside the U.S
21 Developed Markets
MSCI Index Composition
Index Composition as of June 28, 2024
TOP 10 COMPANIES BY WEIGHT:
| Companies | Country | Sector |
|---|---|---|
| NOVO NORDISK B | DK | Health Care |
| ASML HOLDING | NL | Information Technology |
| NESTLE | CH | Consumer Staples |
| ASTRAZENECA | GB | Health Care |
| SHELL | GB | Energy |
| TOYOTA MOTOR CORP | JP | Consumer Discretionary |
| SAP | DE | Information Technology |
| NOVARTIS | CH | Health Care |
| LVMH MOET HENNESSY | FR | Consumer Discretionary |
| ROCHE HOLDING GENUSS | CH | Health Care |
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 Value |
|
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. 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. Limitations apply. Please refer to your Policy Documents for full details. |
|