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Premier & Premier Ultra
Plans
The Flexible Savings Accounts
!!! Now
With Special Offer Terms !!!
Nothing in the future is guaranteed.
And your plans for the coming years are just as likely to change, as your
expectations move, adapt and grow. You may want to save for your retirement, for
your family, for that special thing you’ve always wanted or, perhaps, to cover
your children’s future school fees.
But one thing is certain: you will be better placed to meet these changing
demands if you have got the very most from your investments.
This is exactly what Premier and Premier Ultra have been designed to deliver.
Alongside that fundamental principle, Premier and Premier Ultra have also been put together with
maximum flexibility in mind. For it's only by allowing your investment plan to
change as your circumstances do that your financial planning can keep pace with
your other needs and ambitions.
So Premier and Premier Ultra allow you to pay contributions monthly, quarterly or half-yearly.
You can also make additional one-off contributions to the Plan at any time. You
can increase your premiums and you can decrease them as well - please refer to
the Guide for full details, including charges that may apply.
You can pay your Premier and Premier Ultra premium in any of four currencies: US dollars,
sterling, euro or Hong Kong dollars. And premiums start at just US$150 per
month, giving you access to Premier for a relatively small contribution. For
higher premiums FPI will reward you with a higher unit allocation via the
Premier Ultra Plan -
please click here for these special terms.
Premier also has no bid/offer spread (a difference between the price at which
units are bought and sold). That means that more of your money is working for
you - right from the start.
You can select an Option Date at any point between five and 25 years, and you
can take a withdrawal from your Plan, on an ad hoc basis or regularly - either
monthly, quarterly, half-yearly, annually or termly. This last option has been
specially designed for school fees payments. These withdrawals can be taken from
Premier whilst you are still paying premiums into the Plan - please refer to the
Guide for full details, including charges that may apply.
PREMIER - The Flexible Savings Plan
INVESTMENT CHOICE IS AT THE HEART OF PREMIER
Premier gives you access to a
wide range of funds from within the Friends Provident International Limited
range – a virtually unparalleled selection of rewarding investment
opportunities.
These include:
• Equity funds
• Fixed interest securities
• Specialist Funds
• Currency funds
FPI also have a specialised range of Managed Funds which have been created to
give you a balanced spread of investment opportunities with an equity bias. And
there's also a special "fund of funds" range which means that entry into a
single fund gives you access to a carefully monitored range of underlying
Friends Provident International
funds.
FPI funds are also clearly marked with a "risk profile" grading. This ranges
from Risk Profile 1 (funds offering a conservative return similar to money
market rates) to Risk Profile 5 (more aggressive funds balancing the risk of
high volatility with the potential for high capital growth).
You or through ourselves as your advisor, have complete freedom of choice when
it comes to selecting the funds in which you wish to invest, up to a maximum of
10 at any one time.
And you can switch, currently, between any of the FPI funds without charge -
keeping your Plan up to date with your investment choices at no cost to you.
MORE OPTIONS - AND MORE BENEFITS - FROM PREMIER
Premier can also be enhanced with the addition of special, optional benefits.
These are designed to give you – and others – an even greater level of
protection, and the comfort that goes with it in an increasingly uncertain
world.
A D D I T I O N A L L I F E COVER
Premier gives you a basic death benefit. This means that if you die the Plan
will pay 101% of the Surrender Value. You can choose to cover up to four lives
on this element of Premier. If you do have extra "lives assured" on your Plan
then we will make the payment on the death of the last survivor.
If you want Additional Life Assurance Cover, to give extra protection to you or
your family, then this is available.
This benefit is open to either one or two "lives assured" (the individuals named
on the Additional Life Assurance Cover documents). If two are selected then the
benefit is paid on the death of the first named individual. These chosen lives
assured do not have to be added at the time you take out Premier; they can be
added later, as your circumstances and requirements change.
The minimum cover available is US$30,000 (or currency equivalent) - and this can
be increased at any time (subject to further underwriting). And, of course, you
can decrease or cancel this additional benefit at any time you want. The
Additional Life Cover can be continued even if your Plan is made paid-up (see A
guide to Premier and the administration of your investments).
P R E M I U M P R O T E C T I O N COVER
If you become unable to continue paying your contributions to Premier because of
disablement, then Premium Protection Cover ensures that these are paid for you.
Disablement means that you are unable to continue with your own job - or a
similar job suited to your abilities. The benefits under Premium Protection
Cover will commence six months after the claim is made - and your premiums will
carry on being paid until you return to work, reach the age of 65, the Plan
matures or the Plan is surrendered or paid up.
Click Here if you would like to discuss opening a Premier or Premier Ultra Savings Plan
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