GREATER OPPORTUNITIES | MORE FLEXIBILITY | OVERALL PROTECTION
The S&P 500 Plan provides investors access to 500 leading stocks representing the most widely held companies from all sectors of the economyAward Winning Product
For multiple years, the S&P 500 Index has been named 'Best International Savings Plan' by International Investment and International Adviser, prominent publications for international independent financial advisors and wealth management professionals serving expatriate and cross-border clients worldwide.
Unique Advantages
Principal Protected
Principal protection derived from structured notes provided by highly rated financial institutions
No Downside Risk
Ability to participate in stock market growth without the downside risk
Flexible Solutions
Flexibility to choose a plan that fits individual needs with 10, 15 and 20 year options
S&P 500 Index Composition
Index Composition as of June 28, 2024
TOP 10 COMPANIES BY WEIGHT:
| Companies | Symbol | GICS Sector |
|---|---|---|
| MICROSOFT CORP | MSFT | Information Technology |
| NVIDIA CORP | NVDA | Information Technology |
| APPLE INC. | AAPL | Information Technology |
| AMAZON.COM INC | AMZN | Consumer Discretionary |
| Meta Platforms, Inc. Class A | META | Communication Services |
| ALPHABET INC A | GOOGL | Communication Services |
| ALPHABET INC C | GOOG | Communication Services |
| BERKSHIRE HATHAWAY B | BRK.B | Financials |
| ELI LILLY & CO | LLY | Health Care |
| BROADCOM INC | AVGO | Information Technology |
Sector Breakdown
Key Features
Product Details
| 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. S&P 500 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. |
|