Product Features | Investor Benefits |
| Low minimum investment | Premier can be accessed from as little as USD150 per month. Payments can be made monthly, quarterly or half-yearly. Single premiums can be invested into existing plans. |
| Higher contributions = higher allocation rates | Allocation rates of up to 110% are available - on plans with monthly contributions higher than USD1,000. |
| Massive fund choice | Premier can link to up to a maximum of 10 funds from the Isle of Man mirror fund range. New funds are being added to the range all the time. And if you don't like your choice of mirror funds then you can switch between them as often as you like - at no extra charge. |
| Special Option: Additional Life Cover | This is available on one or two lives and provides extra amounts of life assurance cover. The minimum additional life cover amount is USD30,000 (or currency equivalent). You can start or stop Additional Life Cover at any time. |
| Special Option: Premium Protection Cover | Premium Protection Cover ensures that, if you are unable to pay premiums as a result of disablement, your premiums will continue to be paid for you. This is available on one or two lives. It can be started or stopped at any time. |
| Currency choice | Payments into Premier can be made in US Dollars, Sterling, Hong Kong Dollars or Euro. |
| No bid /offer spread | More of your money is invested at every contribution. |
| Access to your money | Penalty free withdrawals can be taken, irregularly, monthly, quarterly, half-yearly or annually. If required, they can also be taken termly (for those paying school fees). The minimum withdrawal is USD1,500 per withdrawal, per plan. Withdrawals can be taken while premiums are being paid. |
| Simple charging structure | The charges levied on Premier are simple and easy to understand, The brochure and technical guide to Premier give full details. |
| Increase and decrease | Premium increases - and premium decreases - can be made free of charge at any premium due date (decreases - after Initial Period). |
| Saving for... | A once-in-a-lifetime holiday
Your dream car, boat or apartment
School fees for your children
Protection against that "rainy day" |
| Paid-up plans | Plans can be made paid-up (premiums cease although the Plan remains in force) at any time after the Initial period. |