GLOBAL CAPITAL PROTECTOR

Transcription

1 INVESTMENT PLAN WITH COMPLIMENTARY LIFE BENEFIT GL OBAL IS A REGUL AR CONTRIBUTION PL AN OFFERED BY BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC, DESIGNED TO MEET YOUR FINANCIAL GOAL S, WH ICH INCL UDES A COMPL IMENTARY L IFE BENEFIT TO PROTECT YOUR FAMIL Y. GLOBAL ALLOWS YOU TO Customize a savings plan to reach your longterm financial goals. Enjoy the peace of mind of knowing that your loved ones are financially protected in case something unexpected happens. Choose from a wide variety of mutual funds managed by internationally renowned investment firms. Make additional contributions to your plan at anytime, according to your ability to save and your risk tolerance. Make partial or total withdrawals of the surrender values in your plan at any time. HOW DOES GLOBAL WORK? Contribu tions Elig ibility The plan allows the participant to make regular contributions or a single lump sum. The minimum contribution amount will depend upon the participant s age and the amount of coverage selected on the contract. Additional contributions can be made at any time, provided that each additional contribution is at least $ 1,000. Up to 75yearsold at issuance. Not available to citizens or residents of the United States or Cayman Islands. Subject to verification of source of funds. Life Benefit Am ou nt Minimum life coverage is $ 25,000 and the maximum is $ 100,000. Cu rrency Contributions must be made in U.S. dollars and the benefits will be paid in the same currency. Pay m ent of Contribu tions By direct debit, credit card, wire transfer or check. m Pay ent of Benefits You decide when to start receiving benefits. You can receive a lump sum distribution or elect to receive a regular flow of income. Inv estm ent Fu nds Each contribution is applied to the allocation of units in the funds selected for the valuation of the contract. The final yield will depend on the change in value of the accumulated units, minus the management and administration fees. Flex ibility You may cancel your contract at any time in whole or in part in accordance with the surrender values available in the account, which may differ from the accumulated values. PLAN S PERFORMANCE $ The following scenarios illustrate the growth potential for a Global Capital Protector plan with annual contributions of 5,000 for a period of 20 years. The three different projections at annual growth rates of 8%, 10% and 12%, as a result of the change in the net asset value of the selected funds, include all charges stipulated in the contract. Contract Year Contribu tions Valu es 8 % Life Benefit Valu es 1 0 % Life Benefit Valu es 1 2 % Life Benefit 1 US$ 5,075 US$ 3,79 3 US$ 3,86 5 US$ 3, US$ 25,075 US$ 26,824 US$ 28,39 0 US$ 30, US$ 50,075 US$ 6 6,6 12 US$ 147,880 US$ 74,423 US$ 16 5,220 US$ 83,187 US$ 184, US$ 75,075 US$ 123,6 25 US$ 236,124 US$ 146,544 US$ 279,89 8 US$ 174,135 US$ 332, US$ 100,075 US$ 204,343 US$ 320,820 US$ 258,451 US$ 405,76 9 US$ 328,550 US$ 515, US$ 100,075 US$ 288,59 2 US$ 386,713 US$ 400,321 US$ 536,430 US$ 557,132 US$ 746,556 The table shows specific scenarios for a 35yearold, nonsmoker male. Surrender values may differ from the accumulated values in case of early withdrawals, as provided in the contract. Please request a customized illustration from your independent advisor according to your own circumstances. The illustration includes important explanatory notes concerning the assumptions used. Please read the contract carefully before investing. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

2 INVESTMENT PLAN WITH COMPLIMENTARY LIFE BENEFIT REQUIREMENTS Application Form Illustration signed by the client Copy of the following documents (verified and signed by the agent) Governmentissued ID with picture and signature included (valid for at least six months from application date) A tax bill or service (electricity, gas, telephone, etc.) Physician's Report for underage participants People over 55 yearsold should meet the basic requirements of insurability according to BMI Information Guide The compliance officer reserves the right to request additional documents to verify the source of funds. PAYMENT OF CONTRIBUTIONS Personal checks payable to Best Meridian International Insurance Co. SPC. from a US dollar client s account Cashier s check with corresponding receipt by a local bank or registered exchange firm purchased by the customer payable to Best Meridian International Insurance Co. SPC Credit Card Visa, MasterCard, Diners, Discover or American Express (Fee applies) Debit to US bank account Wire transfer In compliance with international antimoney laundry laws, contributions cannot be accepted in cash, travelers checks, money orders, or any other form of payment that can be considered as cash. WIRE TRANSFER INSTRUCTIONS PAY TO: BB&T Company 110 S. Stratford Rd. WinstonSalem, NC ABA Routing: SWIFT: BRBTUS33 Beneficiary: Best Meridian International Insurance Company SPC. Account #: Ref: ***Client s name and policy number*** Note: Please specify the client s name to apply the funds received. For customers who already have contracts issued, please specify the policy number. IMPORTANT NOTES: The value of each contract depends on the performance of the funds selected by the plan participant. The performance of funds is measured by the growth of its net asset value which may fall or rise. The fluctuation in the fund s net asset value may result in losses, especially in the shortterm, and g ains or losses may be a result of changes in currency exchange rates. Information provided in our brochures is based on BMII knowledge of current laws. No liability can be accepted for changes in tax laws or regulations of any country. Each brochure should be analyzed in conjunction with the product profile and the terms and conditions applicable to the product described. BMII therefore cannot accept responsibilities or obligations that originate from contradictory or supplementary information provided by third parties regarding this product. BMII does not provide advice about whether or not their products are suitable to individual customers. BMII products are available only through independent advisors on the basis that this advisory operates on behalf of the client. If a customer becomes a resident of the United States of America while his or hers Global Capital policy is in force, BMII may not accept further contributions or instructions to change the selection of funds until the customer ceases to be a resident of the United States of America. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

3 RETIREMENT PLAN BMI gives you the opportunity to reach your retirement goals through high quality financial products, allowing you to be prepared, save and invest for your future. Global Capital products have been designed with the objective to help you accumulate during your productive phase an amount of money to maintain or even improve your standard of living during your retirement years. GL OBAL IS AN INVESTMENT PL AN TH AT INCL UDES A COMPL IMENTARY L IFE BENEFIT AND GIVES YOU TH E ABIL ITY TO SAVE FOR RETIREMENT. Accumulation through mutual funds managed by internationally renowned investment firms. Potential for higher performance than that offered by fixed income instruments. Flexibility in the amount and frequency of contributions according to your ability to save. Protection through a complimentary life increasing coverage. Tax benefits. BMII makes no representation regarding the suitability of any person to participate in the Global Capital products. Capital Global products are not available to residents or citizens of the United States or Cayman Islands.

4 RETIREMENT PLAN Wide selection of mutual funds to build a diversified investment portfolio. Customized plan based on your ability to save, time horizon, risk tolerance and personal preferences. Possibility of making partial withdrawals. L iquidity. US$ 1,200,000 US$ 1,100,000 US$ 1,220,124 US$ 1,000,000 US$ 9 00,000 US$ 800,000 US$ 825,06 8 US$ 1,000,000 US$ 700,000 US$ 6 00,000 US$ 578,36 7 US$ 500,000 US$ 400,000 US$ 300,000 US$ 236,575 US$ 39 9,519 L ife Benefit Accumulated Value US$ 200,000 US$ 102, L ife Benefit Financial Goal Accumulated Value Accumulated Contributions The graph illustrates a plan for a 35yearold male, with annual contributions of $ 7,005 for a period of 30 years at 10% annual growth of the investment funds related to the plan. Accumulated values would meet the target of $ 1,000,000 at participant's retirement age of 6 5yearsold. Actual performance may differ from the illustration depending on the actual performance of the selected funds. During times of extreme volatility, it may be that the participant may not get back the full amount invested. There are decreasing charges for early withdrawals during the early years of the contract. It is advised to obtain a customized illustration from your independent advisor according to your own circumstances. This illustration includes important explanatory notes concerning the assumptions used. The allocation of units in the funds is solely for the purpose of determining the benefits payable under the contract. Plan participants will not have a direct or indirect interest in the funds. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

5 COLLEGE PLAN A college education is an absolute requirement in the current labor market conditions. With the rising college costs in mind, it is necessary to plan and save for your children s education as soon as possible, so they will be able to have a successful career. Global Capital products will help you afford college costs through an investment plan designed according to your own circumstances. A colleg e edu cation is the best inv estm y ou can m ake for y ou r children. ent GL OBAL IS AN INVESTMENT PL AN WITH A COMPL IMENTARY L IFE BENEFIT, WH ICH GIVES YOU TH E ABIL ITY TO SAVE FOR YOUR CH IL DREN S COL L EGE EDUCATION. Accumulation through mutual funds managed by internationally renowned investment firms. Potential for higher performance than that offered by fixed income instruments. Flexibility to prepay contributions, suspend them temporarily and make additional contributions. Protection through a complimentary life increasing coverage. Wide selection of funds to build a diversified investment portfolio in the global financial markets. Customized plan that best fits your unique needs through single or periodic contributions (monthly, quarterly, semiannually). Possibility of making partial withdrawals. L iquidity. Tax benefits. BMII makes no representation regarding the suitability of any person to participate in the Global Capital products. Capital Global products are not available to residents or citizens of the United States or Cayman Islands.

6 COLLEGE PLAN Estimation of Global Capital Protector contributions to cover the average college costs in the United States. PUBLIC COLLEGE PRIVATE COLLEGE Current Child s Age Years to enter College Costs x 4 years of College Annual Contributions Costs x 4 years of College Annual Contributions 8 10 US$ 106,675 US$ 7,034 US$ 153,065 US$ 9, US$ 109,875 US$ 6,285 US$ 157,657 US$ US$ 113,171 US$ 5,663 US$ 162,387 US$ 7, US$ 116,566 US$ 5,138 US$ 167,259 US$ 7, US$ 120,063 US$ 4,680 US$ 172,276 US$ 6, US$ 123,665 US$ 4,283 US$ 177,445 US$ 6, US$ 127,375 US$ 3,937 US$ 182,768 US$ 5, US$ 131,196 US$ 3,634 US$ 188,251 US$ 5, US$ 135,132 US$ 3,366 US$ 193,899 US$ 4,706 * Source: Collegeboard.org January 2014 Average cost is based on a fouryear college tuition, assuming an inflation annual rate of 3%. US$ 280,000 US$ 260,000 US$ 240,000 US$ 220,000 US$ 200,000 US$ 180,000 US$ 160,000 US$ 140,000 US$ 120,000 US$ 80,000 US$ 60,000 US$ 40,000 US$ 20,000 US$ 0 College Plan Public University Life Benefit US$ 236,227 Financial Goal Accumulated Value US$ 183,912 Accumulated Contributions US$ 153,546 US$ 130,436 Life Benefit US$ 123,665 US$ 107, The graph shows a plan for a 35yearold nonsmoker father, with a threeyearold child, with annual contributions of $4,283 for a period of 15 years at a 10% annual growth rate of the investment funds selected. Accumulated values would meet the objective to cover fouryear college tuition at a Public University as per Collegeboard.org. Actual performance may differ from the illustration depending on the actual performance of the selected funds. During times of extreme volatility, it may be that the participant may not get back the full amount invested. There are decreasing charges for early withdrawals during the early years of the contract. It is advised to obtain a customized illustration from your independent advisor according to your own circumstances. This illustration includes important explanatory notes concerning the assumptions used. The allocation of units in the funds is solely for the purpose of determining the benefits payable under the contract. Plan participants will not have a direct or indirect interest in the funds. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

7 CAPITAL ACCOUNT SINGLE CONTRIBUTION INVESTMENT PLAN GL OBAL CAPITAL ACCOUNT IS AN INVESTMENT PL AN OFFERED BY BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC TH AT AL L OWS YOU TO PARTICIPATE IN TH E GL OBAL CAPITAL MARK ETS TO EVENTUAL L Y REACH YOUR FINANCIAL GOAL S. GLOBAL CAPITAL ACCOUNT ALLOWS YOU TO.. Build your investment portfolio through a singlecontribution plan. Choose the term of your investment plan. Select investment funds managed by internationally renowned investment firms. Make additional contributions at any time according to your ability to save or your risk tolerance. Make full or partial withdrawals from the surrender values available in your plan at any time. Receive the benefits of the plan at the time you define. HOW DOES GLOBAL CAPITAL ACCOUNT WORK? Contribu tions Elig ibility Cu rrency The contract allows the participant to start a plan with a single contribution from $ 10,000. You can make additional contributions at any time, provided that each additional contribution is at least $ 1,000. Up to 75yearsold at time of issuance. Not available to citizens or residents of the United States or Cayman Islands. Subject to verification of source of funds. Contributions must be made in US dollars and benefits will be paid in the same currency. m Contribu tions By direct debit, credit card, wire transfer or check. Pay ent of Contribu tions You decide when to start receiving benefits. You can receive a lump sum distribution or elect to receive a regular flow of income. m Pay ent of Benefits Each contribution is applied to the allocation of units in the funds selected for the valuation of the contract. The final yield will depend on the change in value of the accumulated units, minus the management and administration fees. Flex ibility You can cancel your contract at any time fully or partially subject to deduction of a surrender charge. No fee will be applied to withdrawals of funds that have been invested for 7 or more years. Withdrawals within the first seven contract years will be subject to a decreasing fee. In addition, each year you may surrender, without incurring any surrender fee, up to 10% of the contributions received more than five years and less than seven years before the date of surrender. $ PLAN S PERFORMANCE The following scenarios illustrate growth potential for a Global Capital Account plan with a single contribution of 50,000. The projections at annual growth rates of 8%, 10% and 12%, assume an increase in the net asset value of the selected funds, and include all charges stipulated in the contract. Contract Years Contribu tion Am ou nt Valu e 8 % Valu e 1 0 % Valu e 1 2 % 1 US$ 50,000 US$ 50,212 US$ 51,16 5 US$ 52,118 5 US$ 6 5,056 US$ 71,313 US$ 75, US$ 9 0,074 US$ 108,451 US$ 130, US$ 124,9 09 US$ 16 5,118 US$ 217, US$ 173,447 US$ 251,781 US$ 36 2, US$ 241,114 US$ 384,377 US$ 6 06,6 06 Surrender values may differ from the accumulated values in case of early withdrawals, as provided in the contract. Please request a customized illustration from your independent advisor according to your own circumstances. The illustration includes important explanatory notes concerning the assumptions used. Please read the contract carefully before investing. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

8 CAPITAL ACCOUNT SINGLE CONTRIBUTION INVESTMENT PLAN REQUIREMENTS Application Form Illustration signed by the client Copy of the following documents (verified and signed by the agent) Governmentissued ID with picture and signature included (valid for at least six months from application date) A tax bill or service (electricity, gas, telephone, etc.) Participants 6 5 yearsold or over must sign the Special Requirement Form. The compliance officer reserves the right to request additional documents to verify the source of funds. PAYMENT OF CONTRIBUTIONS Personal checks payable to Best Meridian International Insurance Co. SPC. from a US dollar client s account Cashier s check with corresponding receipt by a local bank or registered exchange firm purchased by the customer payable to Best Meridian International Insurance Co. SPC Credit Card Visa, MasterCard, Diners, Discover or American Express (Fee applies) Debit to US bank account Wire transfer In compliance with international antimoney laundry laws, contributions cannot be accepted in cash, travelers checks, money orders, or any other form of payment that can be considered as cash. WIRE TRANSFER INSTRUCTIONS PAY TO: BB&T Company 110 S. Stratford Rd. WinstonSalem, NC ABA Routing: SWIFT: BRBTUS33 Beneficiary: Best Meridian International Insurance Company SPC. Account #: Ref: ***Client s name and policy number*** Note: Please specify the client s name to apply the funds received. For customers who already have contracts issued, please specify the policy number. IMPORTANT NOTES: The value of each contract depends on the performance of the funds selected by the plan participant. The performance of funds is measured by the growth of its net asset value which may fall or rise. The fluctuation in the fund s net asset value may result in losses, especially in the shortterm, and gains or losses may be a result of changes in currency exchange rates. Information provided in our brochures is based on BMII knowledge of current laws. No liability can be accepted for changes in tax laws or regulations of any country. Each brochure should be analyzed in conjunction with the product profile and the terms and conditions applicable to the product described. BMII therefore cannot accept responsibilities or obligations that originate from contradictory or supplementary information provided by third parties regarding this product. BMII does not provide advice about whether or not their products are suitable to individual customers. BMII products are available only through independent advisors on the basis that this advisory operates on behalf of the client. If a customer becomes a resident of the United States of America while his or hers Global Capital policy is in force, BMII may not accept further contributions or instructions to change the selection of funds until the customer ceases to be a resident of the United States of America. This document cannot be considered an offer or an invitation to participate in any product offered by the company.

9 GUARANTEED INTEREST CONTRACT GIC PRIME SHORTTERM FIXED INCOME INVESTMENT BMI PREFERRED (SPC) Company announces the limited issue of the Guaranteed Interest Contract (GIC PRIME) PRODUCT SPECIFICATIONS Subscription period: ends on March 31, 2015 Minimum Investment: US$ 10,000 Term: *5 years No correlation with the Stock Market Liquidity subject to early withdrawal charges Eligibility: At least 18 yearsold at issuance Not available to citizens or residents of USA, Canada or Cayman Islands Higher Returns than Fixed Income Products in USA Investment Amount Annual Simple Rate of Return US$ 10,000 to 49, % US$ 50,000 to 99, % to 249, % US$ 250, % * Note: Issuer reserves the right to redeem any certificate, subject to payment of the investment amount plus the accrued interest up to the effective call date. PAYMENT OPTIONS $130,000 GROWTH COMPARISON GIC PRIME VS. US CERTIFICATES OF DEPOSIT Personal Check from Owner s USA account payable to BMI PREFERRED (SPC) COMPANY Cashier s Check payable to BMI PREFERRED (SPC) COMPANY along with the Bank or the Registered Currency Exchange institution receipt under Owner s name $125,000 $120,000 $115,000 $110,000 $109,500 $114,250 $119,000 $123,750 Debit to Owner s USA Bank Account Wire Transfer to: TOTALBANK 2720 Coral Way, Miami FL ABA Routing: Beneficiary: BMI PREFERRED (SPC) COMPANY Account #: Ref: Client s Name $105,000 $100,000 $100,870 $104,750 $101,748 $102,633 $103,526 $104,426 Year 1 Year 2 Year 3 Year 4 Year 5 CD Jumbo 0.87% USA Average APY GIC PRIME 4.75% Annual Simple Rate of Return Graph above shows the comparative growth of a US$100,000 investment in a US Certificate of Deposit at the current average percentage yield of 0.87% (Source: Bankrate.com as of 10/30/2014) vs. generated growth in a GIC PRIME. Accrued interests will be payable at the end of the 5year term. BMI makes no representation regarding the suitability of any person to participate in the GIC PRIME. The GIC PRIME is not available to residents or citizens of the United States, Canada or Cayman Islands. The information provided in our brochures is based on BMI knowledge of current laws. No liability can be accepted for law changes, tax practice or regulation of any country. This document cannot be considered an offer or an invitation to participate in any product offered by the company.