Building peace of mind

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Building peace of mind"

Transcription

1 Building peace of mind 1

2 Building certainty In today s uncertain world, this is how we ll help you build your own little bit of certainty We ve been providing you with certainty in the UK since 2007 and are committed to offering solutions that suit you best. With MetLife, you can be certain that your future is in the safest hands possible. Our history, reach and devotion to eliminating uncertainty, help give your money the best possible chance to grow. The MetLife Group at a glance Operating in nearly 50 countries. Leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. 65,000 worldwide employees. Provides financial products and services to 91 of the top 100 Fortune 500 companies. Ranked 40 in the 2013 Fortune 500. Clients include more than 80% of all Fortune 500 companies. Ranked 2nd in Fortune s 2014 World s most admired companies among life and health insurers. 2

3 MetLife Europe Limited at a glance Retirement and savings businesses. B+ rating for MetLife Europe Limited by AKG Actuaries and Consultants Ltd. A+ rating for MetLife Europe Limited by Standard & Poor s staff in the UK alone. * AKG rating affirmed January

4 Building a reputation that spans the globe Our story so far 1868 Metropolitan Life Insurance Company founded in New York Despite a depression, Metropolitan Life s strength means it can issue 12,242 insurance policies worth $17.7 million At year-end, Metropolitan Life s assets reach $8.5 million Becomes the first-ever company to establish wholly owned housing projects on a grand scale, by providing housing for over 34,000 families The famous MetLife building (200 Park Avenue) in New York City is acquired A presence is established in Korea The international division employs nearly 9,000 associates, helping meet the needs of more than 2.9 million people around the world Through the acquisition of Aseguradora Hidalgo, S.A. MetLife becomes the largest life insurer in Mexico Announces the launch of a joint venture in Beijing, China MetLife acquires Travelers Life & Annuity and all of Citigroup s international insurance business, strengthening its leadership in life insurance and annuities MetLife Europe Limited opens for business MetLife Europe Limited launches its Retirement Portfolio. 200 MetL laun guar

5 1909 Metropolitan Life becomes the largest life insurance company in the world, with $2 billion of insurance in force Metropolitan Life Insurance headquarters turned into a support centre for Titanic survivors, and pays the first death benefit for a Titanic passenger Metropolitan Life collaborates with the National Tuberculosis Association to set up a research model that will later help reduce the disease Metropolitan Life boasts about 28.6 million US and Canadian policyholders, with 48,000 employees The ninth international operation opens in Hong Kong International operations (excluding Canada) surpass $1 billion in sales A presence is established in the Indian market. In response to the 9/11 attacks, claims are paid immediately, awarding grants and investing over $1billion in publicly traded stocks. 9 ife Europe Limited ches two unit-linked antee bonds MetLife, Inc. acquires Alico to become the world s premier global life insurance company. MetLife Europe Limited wins the Financial Adviser Company of the Year award MetLife Europe Limited signs 10 year 100 million contract with Capita Group. MetLife Europe Services Limited takes over the 50th Floor of One Canada Square, Canary Wharf MetLife Europe Limited launches its innovative range of Managed Wealth Portfolios MetLife Europe Limited collaborates with leading pensions expert, Dr Ros Altmann CBE. MetLife Europe Limited reaches 4.5 billion assets under management. 5

6 Building a global powerhouse The MetLife Group has been helping people plan for their future since Millions of customers already benefit from our expertise across the globe. We live in uncertain times. But thanks to our high quality, diversified portfolio and our cautious, forward-focused investment management programme, we weathered the economic crisis and emerged strongly. In 2010, MetLife, Inc. acquired Alico and overnight became one of the world s largest global life insurers. And with a market value over $56.54* billion we re a force to be reckoned with. How does MetLife, Inc compare? Company Aegon 473 Aviva Plc Legal & General MetLife, Inc Standard Life Zurich Insurance Group Assets ($bn) Source: Forbes - Global 2000 leading companies, values calculated May *Source: figures correct as at 17th February 2014 #3 Insurer in Russia #9 Insurer in Poland #1 Insurer in U.S. #2 Foreign Insurer in Japan More Significant in Europe #1 Insurer in Mexico Leading Insurer in the Middle East Growing Presence in India and China #11 Insurer in Brazil #1 Insurer in Chile #1 Insurer in Argentina 6 Source: Axco Global Statistics 2012

7 7

8 Building peace of mind Committed to eliminating uncertainty Since entering the UK market in 2007, MetLife Europe Limited has been focused on bringing you a genuine alternative to all the other retirement and investment solutions out there. This means providing innovative, award-winning products for changing generations - as well as delivering exceptional, award-winning service. And crucially, there s our range of ground-breaking products, protecting your investment against life s many unknowns. No other insurer offers what we do. We know you want to protect your investment against a fluctuating market - but we also know you don t want to sacrifice growth. So we offer a unique range of products that give you real growth potential, plus security for your money. We also offer a range of group protection products. Leading provider of retirement alternatives 8 With an ageing population, state pension provision changes, the demise of the defined benefits pension and the recent budget reform announcement, the retirement landscape in the UK is facing fundamental changes. By developing a deep understanding of the needs of future generations, we can develop solutions that work where the rules surrounding retirement planning are being redrawn. That is why over the last few years we have developed a number of in-depth reports with leading market experts: Redefining the retirement market written by Malcolm Kerr, Director at Ernst & Young Unit-Linked Guarantees - Managing Risk in Retirement written by Nigel Balchin, Managing Director AKG Actuaries & Consultants Ltd Planning for retirement - A Special Retirement Report by Dr Ros Altmann CBE 10 Years to Save Your Retirement - A Special Report produced by MetLife with Foreword by Lord Hunt of Wirral Engaging Clients in a New Way - Putting the Findings of Behavioural Finance Strategies to Work written by Joseph W. Jordan, Senior Vice President, MetLife. Engage and Commit - Four proposals to improve UK savings and retirement U-Gen and You - New research and insights on the generation born between 1961 to 1981 Pensions: Time for change - A second collaboration with leading pensions expert, Dr Ros Altmann CBE Flexibility in retirement: Planning for change - A special report by Dr Ros Altmann CBE in partnership with MetLife We continue to lead the way in shaping the retirement market.

9 9

10 Building on our success Award-winning achievements At MetLife Europe Limited we are proud to be recognised for all our achievements over the past three years. Here are the industry awards we ve had the honour of winning: 2008 Hallmark of Innovation Financial Innovation Awards Winner Retirement Portfolio Financial Adviser Service Awards 4 Star Award 2009 Financial Adviser Service Awards 4 Star Award MoneyFacts Awards Best Third Way Provider Highly commended Service beyond the call of duty Commended Innovation Award & Investment Bond Provider MoneyFacts 5 Star Award Income for Life Money Marketing Awards Runner-up Business Campaign of the Year 2010 Professional Adviser Awards Highly commended Best Third Way Provider Financial Adviser Life & Pension Awards Best Third Way Product Provider Financial Adviser Online Service Awards 4 Star Award MoneyFacts Life & Pensions Awards Best Third Way Provider Highly commended Service beyond the call of duty Commended Investment Bond Financial Adviser Service Awards Company of the Year Star Award for Life & Pensions World Financial Innovation Awards Innovation in Product Designs 2011 Financial Adviser Service Awards 5 Star Award for Life & Pensions & 5 Star Award for Investments SimplyBiz Group Partnership Marketing Campaign of the Year Financial Adviser Life & Pension Awards Third Way Provider of the Year Financial Adviser Online Service Awards 4 Star Award Investment Life & Pension Moneyfacts Awards Best Third Way Product Provider Financial Services Forum Awards for Marketing Effectiveness Integrated B2B Campaign MoneyFacts Best Third Way Provider MoneyFacts Commendation Innovation and Investment Bond 10

11 2012 Financial Adviser Online Service Awards 4 Star Award SimplyBiz Group Partnership SimplyBiz Best Member Meeting Award Financial Adviser Life & Pension Awards Third Way Annuity Provider of the Year MoneyFacts Best Third Way Product Provider MoneyFacts Commendation Innovation and Investment Bond Financial Adviser Service Awards Company of the Year Financial Adviser Online Service Awards 5 Star Award Financial Adviser Life & Pension Awards Third Way Annuity Provider of the Year Financial Adviser Life & Pension Awards 5 Star Award Financial Adviser Investment Awards 5 Star Award MoneyFacts Best Third Way Product Provider MoneyFacts Commendation - Investment Bond 11

12 Building your future How our retirement and savings products work Investing for growth At MetLife Europe Limited each of our investment products offer the option of built-in protection. Once you ve established the type of investment you want, it s then up to you to decide how much of it you want to protect and how you want the guarantee to work. Our guarantees will: Protect your initial investment Our products come with a range of guarantees, from 70% to 100%. So you can select the level of protection you feel comfortable with, while still benefiting from exposure to equities. Lock in any gains you make The stock market can be notoriously volatile. But with our guarantees, you can lock-in unlimited growth every year - ensuring that any gains you make are kept and that even if the markets take a dive, the value of your initial investment is protected. Make sure your loved ones are protected With our death benefit, you can make sure that your loved ones are protected against any sudden drop in the market. We offer a range of risk-rated portfolios which have been carefully selected and are reviewed on a daily basis to ensure your investment is not only secure, but has the potential to grow. MetLife Europe Limited provides a range of guaranteed investment and retirement solutions all of which are currently available with our MetLife Managed Wealth Portfolios. The funds in which the MetLife Managed Wealth Portfolios invest are managed by BlackRock, one of the world s leading providers of investment, advisory and risk management solutions. Additional peace of mind All our products are covered by the Financial Services Compensation Scheme (FSCS). This means, that if we cannot meet our obligations, you may be entitled to compensation. This would depend on your eligibility, the type of business and the circumstances of the claim. If you d like to find out more, you can contact the FSCS directly. Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8BN Tel: +44 (0)

13

14 Building a relationship How we work We at MetLife Europe Limited want to make planning your future as easy as possible. We re committed to working closely with your financial adviser to help them to establish exactly what you need - from the length of your investment term and levels of income you want when you retire, to your attitude to risk. And thanks to our team of Regional Operations Managers, we re able to offer a more personal service to your financial adviser - so they can answer any questions, provide quotes and find the right solution for you, just when you need it. In fact advisers hold our service in such high regard that we were voted the prestigious Company of the Year title in the 2010 and 2012 Financial Adviser Service Awards. To find out more For Customers Contact your financial adviser for more information on any of MetLife s products. Find a Financial Adviser via unbiased.co.uk For Independent Financial Advisers Book an appointment with your representative Call Visit metlife.co.uk 14

15

16 Want to find out more? Talk to your Financial Adviser or call us on You can also visit us at for more information. Products and services are offered by MetLife Europe Limited which is an affiliate of MetLife, Inc. and operates under the MetLife brand MetLife Europe Limited (trading as MetLife) is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Registered address: 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. Registration number UK branch address: One Canada Square, Canary Wharf, London E14 5AA. Branch registration number BR PNTS 16 WM l AUG 2014 l AUG 2014 G

METLIFE EMPLOYEE BENEFITS PROVIDING CERTAINTY FOR EMPLOYEES

METLIFE EMPLOYEE BENEFITS PROVIDING CERTAINTY FOR EMPLOYEES METLIFE EMPLOYEE BENEFITS PROVIDING CERTAINTY FOR EMPLOYEES 3 IN AN UNCERTAIN ECONOMIC ENVIRONMENT, PROVIDING CERTAINTY FOR EMPLOYEES IS ESSENTIAL Employees are an organisation s most valuable asset.

More information

WHAT YOU NEED TO KNOW ABOUT ISAs

WHAT YOU NEED TO KNOW ABOUT ISAs WHAT YOU NEED TO KNOW ABOUT ISAs How to protect and grow your ISA savings, or use them to generate income ISA Portfolio About MetLife As the UK market leaders in guaranteed retirement solutions, we understand

More information

MetLife Guaranteed Investment Bond (UK and International) Offering capital guarantees with growth potential

MetLife Guaranteed Investment Bond (UK and International) Offering capital guarantees with growth potential MetLife Guaranteed Investment Bond (UK and International) Offering capital guarantees with growth potential If you are asking yourself... How can I get a better return than bank deposits now interest rates

More information

Key Features of the MetLife Income for Life Bond (UK and International)

Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and International) 1 Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and

More information

Key Features of the MetLife Income for Life Bond (UK and International)

Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and International) 1 Key Features of the MetLife Income for Life Bond (UK and International) Key Features of the MetLife Income for Life Bond (UK and

More information

Guaranteed Drawdown. Giving you confidence about your retirement income

Guaranteed Drawdown. Giving you confidence about your retirement income Guaranteed Drawdown Giving you confidence about your retirement income 1 The new retirement landscape As you approach retirement, it s time to make those important financial decisions that will see you

More information

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE 2 Contents Introduction 3 ProActive Protection 4 How it works 5 ProActive Interventions 6 ProActive Support 7 ProActive

More information

MetLife Income for Life Bond (UK and International) A guaranteed income for life s ups and downs

MetLife Income for Life Bond (UK and International) A guaranteed income for life s ups and downs MetLife Income for Life Bond (UK and International) A guaranteed income for life s ups and downs If you are asking yourself... How can I get a better return than bank deposits now interest rates are so

More information

Your client's money is in prudent hands

Your client's money is in prudent hands Your client's money is in prudent hands Prudential offers a position of strength and resilience to help safeguard the financial wellbeing of our customers. Prudential is committed to helping safeguard

More information

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD Investment Bond Portfolio Contents 1 Key Features of the MetLife Investment Bond Portfolio 2 2 Guarantee Options 6 3 Other

More information

CANADIANS NOT TAKING ADVANTAGE OF RETIREMENT PLANNING PREMIUM HSBC STUDY REVEALS

CANADIANS NOT TAKING ADVANTAGE OF RETIREMENT PLANNING PREMIUM HSBC STUDY REVEALS Abc 30 May 2011 CANADIANS NOT TAKING ADVANTAGE OF RETIREMENT PLANNING PREMIUM HSBC STUDY REVEALS A global survey from HSBC revealed today that those who have a financial plan in place enjoy a clear planning

More information

METLIFE FUND LIST FOR NEW INVESTMENT

METLIFE FUND LIST FOR NEW INVESTMENT METLIFE FUND LIST FOR NEW INVESTMENT RETIREMENT PORTFOLIO - INVESTMENT BOND PORTFOLIO - TRUSTEE RETIREMENT PORTFOLIO - ISA PORTFOLIO MAY 2016 Contents 1 Introduction 3 2 Managing risk in investment management

More information

Citi at work. Bringing the bank to work.

Citi at work. Bringing the bank to work. Citi at work Bringing the bank to work. Introducing Citi and Citi At Work With over 200 years experience, Citi is one of the world s largest retail banks with over 100 million clients in 40 countries.

More information

Eagle Star Buy-out Bond. Customer Brochure

Eagle Star Buy-out Bond. Customer Brochure Eagle Star Buy-out Bond Customer Brochure Why Zurich Life Pensions for your retirement needs? Financial strength Investment options Award winning customer service Online Access Proven investment performance

More information

Accident Protection. Greater financial certainty for you and your family. Redrawn by Lobianco Studios - 8/98

Accident Protection. Greater financial certainty for you and your family. Redrawn by Lobianco Studios - 8/98 Accident Protection Greater financial certainty for you and your family Redrawn by Lobianco Studios - 8/98 Accident Protection If you are asking yourself... How can I make sure my family are financially

More information

LEGISLATION UPDATE THE LIFETIME ALLOWANCE, FIXED PROTECTION 2014 AND METLIFE REGISTERED GROUP LIFE POLICIES

LEGISLATION UPDATE THE LIFETIME ALLOWANCE, FIXED PROTECTION 2014 AND METLIFE REGISTERED GROUP LIFE POLICIES FOR INTERMEDIARY USE ONLY FEBRUARY 2014 LEGISLATION UPDATE THE LIFETIME ALLOWANCE, FIXED PROTECTION 2014 AND METLIFE REGISTERED GROUP LIFE POLICIES This update is a summary of MetLife s interpretation

More information

Global Investment Trends Survey May 2015. A study into global investment trends and saver intentions in 2015

Global Investment Trends Survey May 2015. A study into global investment trends and saver intentions in 2015 May 2015 A study into global investment trends and saver intentions in 2015 Global highlights Schroders at a glance Schroders at a glance At Schroders, asset management is our only business and our goals

More information

137 years* of history. 14,800 employees worldwide**, recognized with Workplace Excellence million r clients and

137 years* of history. 14,800 employees worldwide**, recognized with Workplace Excellence million r clients and THE PRINCIPAL FINANCIAL GROUP (PFG) FORTUNE 500 Company. Listed on the NYSE (ticker: PFG). Constituent stock of Standard & Poor s (S&P) 500 Index Global Retirement Leadership Asset Allocation Expertise

More information

Global Investing 2013 Morningstar. All Rights Reserved. 3/1/2013

Global Investing 2013 Morningstar. All Rights Reserved. 3/1/2013 Global Investing 2013 Morningstar. All Rights Reserved. 3/1/2013 World Stock Market Capitalization Year-end 2012 18.5% 9.6% United States International: Other Europe United Kingdom Japan Other Pacific

More information

Key Features of the ISA

Key Features of the ISA from the Select Portfolio This is an important document which you should keep along with your personalised Illustration. S E L E C T Alico is a leading international life insurer with a unique heritage

More information

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range 1 Key Features of the MetLife Bond Range

More information

Standard Life Investments strengthens strategic position through acquisition of Ignis Asset Management

Standard Life Investments strengthens strategic position through acquisition of Ignis Asset Management For release at 07:00 (UK time) 26 March 2014 Standard Life Investments strengthens strategic position through acquisition of Ignis Asset Management Acquisition of Ignis Asset Management by Standard Life

More information

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income

longevity Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version ANNUITIES income ANNUITIES income longevity SM Income Guarantee a safety net of lifetime income for later in life Flexible Access Version Maximum Income Version MetLife Investors Longevity Income Guarantee SM is issued

More information

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios INVESTMENTS FOR LIVING Introducing Lifestyle Portfolios I WANT INVESTMENTS THAT GIVE ME FLEXIBILITY AND CHOICE Lifestyle Portfolios from Lloyds Bank International help you keep pace with the ever-changing

More information

Discretionary Wealth Management

Discretionary Wealth Management Discretionary Wealth Management Specialist, Focused, Committed Using experience and expertise to invest for your future Contents 1 The practical importance of wisdom 2 Introduction to Discretionary Wealth

More information

33/F New York Life Tower, Windsor House, 311 Gloucester Road, Causeway Bay, HK

33/F New York Life Tower, Windsor House, 311 Gloucester Road, Causeway Bay, HK New York Life Insurance Worldwide Ltd. 33/F New York Life Tower, Windsor House, 311 Gloucester Road, Causeway Bay, HK For Immediate Release Contact: Donna M.Y. Au, Corporate Marketing Department New York

More information

About Standard Chartered

About Standard Chartered About Standard Chartered Standard Chartered PLC, listed on both London and Hong Kong stock exchanges, ranks among the top 25 companies in the FTSE-100 by market capitalisation. The London-headquartered

More information

can Empowering Professional Advisers Technical Services For professional advisers only

can Empowering Professional Advisers Technical Services For professional advisers only can Empowering Professional Advisers Technical Services For professional advisers only Empowering Professional Advisers can Technical Services Every individual within our Technical Services Team understands

More information

MetLife Single Life Relevant Life Policy Proposal Form

MetLife Single Life Relevant Life Policy Proposal Form Invicta House, Trafalgar Place, Brighton BN1 4FR 0800 917 1112 www.metlife.co.uk The MetLife Single Life Relevant Life policy is provided and underwritten by MetLife Europe Limited, which trades as MetLife.

More information

Guaranteed income for life

Guaranteed income for life For customers Aegon Secure Lifetime Income Guaranteed income for life Contents Introducing Aegon Secure Lifetime Income A quick overview of the product and what it can offer you Four things that could

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

For customers Guaranteed solutions Your investment choice

For customers Guaranteed solutions Your investment choice For customers Guaranteed solutions Your investment choice The investment choice available within our Aegon Secure products allows you to choose from a range of funds. You can find more detail about them

More information

PRUDENTIAL PLC 2002 NEW BUSINESS RESULTS. Total Group insurance and investment sales of 27.6 billion, an increase of 29 per cent on 2001.

PRUDENTIAL PLC 2002 NEW BUSINESS RESULTS. Total Group insurance and investment sales of 27.6 billion, an increase of 29 per cent on 2001. Embargo: 07.00 hrs Thursday 23 January 2003 PRUDENTIAL PLC 2002 NEW BUSINESS RESULTS Total Group insurance and investment sales of 27.6 billion, an increase of 29 per cent on 2001. Group insurance sales

More information

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it

MetLife Income Annuity SM. Providing income. when you need it for as long as you need it MetLife Income Annuity SM Providing income when you need it for as long as you need it A METLIFE INCOME ANNUITY 1 OFFERS THESE ADVANTAGES: Stable lifetime income that you can count on to help cover day-to-day

More information

Special Savings Plus. Best Investment Manager 2006 (MoneyMate) protected funds

Special Savings Plus. Best Investment Manager 2006 (MoneyMate) protected funds Special Savings Plus Best Investment Manager 2006 (MoneyMate) protected funds Saving for the future is a necessity for most people, and selecting the right savings method for you depends on the uses to

More information

An invitation to grow with us. Why join Grant Thornton?

An invitation to grow with us. Why join Grant Thornton? An invitation to grow with us Why join Grant Thornton? Contents 3 Choosing a new employer can be a tough decision 4 Compelling reasons to join us 6 Fast facts About us Grant Thornton New Zealand Ltd is

More information

RETIREMENT INCOME CERTAINTY STARTS TODAY

RETIREMENT INCOME CERTAINTY STARTS TODAY RETIREMENT INCOME CERTAINTY STARTS TODAY Prudential Immediate Income Annuity Annuities are issued by The Prudential Insurance Company of America, Newark, NJ. This material must be preceded or accompanied

More information

History of Sun Life Financial

History of Sun Life Financial History of Sun Life Financial It was the 1860s. Mathew Hamilton Gault, a leading businessman and pillar of Montreal society, had a dream of creating an insurance company that would contribute to the economic

More information

Investment Counselling Program

Investment Counselling Program Investment Counselling Program To us there are no foreign markets. N19 70 56 W155 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to

More information

AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US

AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US PEOPLE ACCOUNTABILITY CUSTOMER FOCUS INTEGRITY FINANCIAL STRENGTH INNOVATION COMMUNITY 2013 FINANCIAL SUMMARY Pacific Mutual Holding Company DOLLARS

More information

Global Client Group The Gateway to AWM

Global Client Group The Gateway to AWM Global Client Group The Gateway to AWM January 2013 For professional investors only Content 1 2 3 Deutsche Bank and Asset Global Client Group Our product and service offering 1 Deutsche Bank A global partner

More information

The rise of the cross-border transaction. Grant Thornton International Business Report 2013

The rise of the cross-border transaction. Grant Thornton International Business Report 2013 The rise of the cross-border transaction Grant Thornton International Business Report 2013 Foreword MIKE HUGHES GLOBAL SERVICE LINE LEADER MERGERS & ACQUISITIONS GRANT THORNTON INTERNATIONAL LTD When reflecting

More information

Key Features of the Lifetime Annuity

Key Features of the Lifetime Annuity from the Select Portfolio This is an important document which you should keep along with your personalised Illustration. S E L E C T Alico is a leading international life insurer with a unique heritage

More information

Zurich Investment Bonds. Funds guide

Zurich Investment Bonds. Funds guide Zurich Investment Bonds Funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 6 Fund risks 7 Managed funds 8 Multimanaged funds 10 UK equity

More information

ACE COMPLETE PENSION TRUST. Investment Fund Guide

ACE COMPLETE PENSION TRUST. Investment Fund Guide ACE COMPLETE PENSION TRUST Investment Fund Guide Introduction This guide has been prepared to assist you in making your investment decisions. It outlines two possible levels of investment involvement that

More information

GROUP INCOME PROTECTION

GROUP INCOME PROTECTION GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY PROPOSAL FORM This policy is provided and underwritten by MetLife Europe Limited, which trades as MetLife. This form must be completed

More information

Zurich Investment Bonds. Funds guide

Zurich Investment Bonds. Funds guide Zurich Investment Bonds Funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 6 Fund risks 7 Managed funds 8 Multimanaged funds 10 UK equity

More information

Drawdown Pensions: A technical guide

Drawdown Pensions: A technical guide For Financial Adviser use only Drawdown Pensions: A technical guide March 2013 News and information from MetLife s Technical Team In this bulletin: Drawdown has been an alternative to annuity purchase

More information

global wealth manager the loyalty plan

global wealth manager the loyalty plan global wealth manager the loyalty plan contents About Friends Provident International 3 Introduction 4 How international investing can help you 4 An investment that makes the most of international opportunities

More information

HISTORY OF Sun Life Financial

HISTORY OF Sun Life Financial HISTORY OF Sun Life Financial It was the 1860s, the Victorian Era, and a period of expanding horizons and industrial and cultural and advancement. In Montreal, a leading businessman and pillar of society,

More information

For customers International investments AEGON Secure Lifetime Income. A guaranteed income for the rest of your life. Pensions Investments Protection

For customers International investments AEGON Secure Lifetime Income. A guaranteed income for the rest of your life. Pensions Investments Protection For customers International investments AEGON Secure Lifetime Income A guaranteed income for the rest of your life Pensions Investments Protection Introducing AEGON Secure Lifetime Income AEGON Secure

More information

When it s time to invest, we aim to give you more

When it s time to invest, we aim to give you more When it s time to invest, we aim to give you more Time to look to the future The Zurich Portfolio is an online wealth management service so it s available to your adviser and you whenever and wherever

More information

CITIGROUP REPORTS INCOME FROM CONTINUING OPERATIONS UP 11% WITH INTERNATIONAL REVENUES UP 17%

CITIGROUP REPORTS INCOME FROM CONTINUING OPERATIONS UP 11% WITH INTERNATIONAL REVENUES UP 17% CITIGROUP REPORTS INCOME FROM CONTINUING OPERATIONS UP 11% WITH INTERNATIONAL REVENUES UP 17% INCOME FROM CONTINUING OPERATIONS OF $5.26 BILLION; REVENUES INCREASE 10% EPS FROM CONTINUING OPERATIONS OF

More information

Your investment choices made easy

Your investment choices made easy Your investment choices made easy PathFinder guide The Fidelity PathFinder range An easy way to invest Our PathFinder range is exclusively available to customers of Fidelity s Personal Investing service.

More information

Delivering sustainable global growth

Delivering sustainable global growth Delivering sustainable global growth Driving profits by growing third party assets Keith Skeoch CEO, Standard Life Investments This presentation may contain certain forward-looking statements with respect

More information

70% of the world is covered by water,

70% of the world is covered by water, 70% of the world is covered by water, the rest is covered by clements. Global broker NetworK ProsPectUS Global Broker Network About the Network: Clements Worldwide, the leading provider of insurance solutions

More information

Your Investment Options

Your Investment Options Your Investment Options lackrock EDS Investment uyout Plan A choice of funds to help you meet your retirement goals This guide shows you the range of investment options available through the lackrock EDS

More information

ABOUT PACIFIC LIFE RE

ABOUT PACIFIC LIFE RE ABOUT PACIFIC LIFE RE WHO WE ARE? We are a life reinsurance company working with our clients to manage their mortality, morbidity and longevity risk. We have built a strong, experienced team with a reputation

More information

Delivering financial freedom. UK and European financial management specialists

Delivering financial freedom. UK and European financial management specialists Delivering financial freedom UK and European financial management specialists Our origins and brief history We provide the big-picture oversight that you need to succeed. The Blacktower group was formed

More information

Stability and reliability

Stability and reliability Allianz Life Insurance Company of North America Stability and reliability Our investment management philosophy Page 1 of 8 True to our promises Message from Walter White President and Chief Executive Officer

More information

Offshore Savings Account

Offshore Savings Account Offshore Savings Account Client Guide Investing in your future Saving for the future Choose a level of investment which is both affordable and meets your saving objectives. See page 4 A wide range of investment

More information

Premier Private Client Portfolio

Premier Private Client Portfolio Premier Private Client Portfolio Available through Lighthouse Group LIGHTHOUSEGROUP Whether seeking a steady income stream, strong long term capital growth or a combination of both, finding a portfolio

More information

Stocks and Shares ISA

Stocks and Shares ISA Your modern mutual Stocks and Shares ISA Key features document What is the purpose of this document? The Financial Conduct Authority is the independent financial services regulator. It requires us, The

More information

GROWTH & INCOME INDEX 2013 MUTUAL FUND INVESTOR BEHAVIOUR STUDY HONG KONG

GROWTH & INCOME INDEX 2013 MUTUAL FUND INVESTOR BEHAVIOUR STUDY HONG KONG GROWTH & INCOME INDEX 201 MUTUAL FUND INVESTOR BEHAVIOUR STUDY HONG KONG October 201 CONTENT FOREWORD Foreword By Eastspring Investments Executive Summary The Growth & Income Index Investor Current and

More information

THE BEATLES AND PENSION RISK TRANSFER

THE BEATLES AND PENSION RISK TRANSFER THE BEATLES AND PENSION RISK TRANSFER The UK has a long history of creativity and innovation in the music industry the Beatles being a famous example. Their innovation in the pension world is perhaps a

More information

Key features of the Zurich International Portfolio Bond

Key features of the Zurich International Portfolio Bond Key features of the Zurich International Portfolio Bond Helping you decide This important document gives you a summary of the Zurich International Portfolio Bond. Please read this with your illustration,

More information

The Retirement Account

The Retirement Account The Retirement Account Key Features This is an important document and you should read it before deciding whether to buy your Retirement Account from us Purpose of this document This Key Features booklet

More information

10 Years to Save Your Retirement

10 Years to Save Your Retirement 10 Years to Save Your Retirement Special report produced by MetLife Foreword by Lord Hunt of Wirral Why MetLife produced this report The UK pensions debate needs to move on from focusing on problems to

More information

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser.

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser. 00000 Old Mutual Wealth Life Assurance Limited is a provider of long-term life assurance. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential

More information

Defined Benefit Asset Allocation

Defined Benefit Asset Allocation TRANSFORM YOUR TOMORROW SM Defined Benefit Asset Allocation Strategies GUIDE For Traditional DB and Cash Balance Plans For Plan Sponsor/Investment Professional Use Only. Information This Defined Benefit

More information

THE END OF PENSIONS? Consultants Corner

THE END OF PENSIONS? Consultants Corner THE END OF PENSIONS? By Charlotte Moore It s no exaggeration to call the pension changes announced in this year s Budget revolutionary: this reform could herald the end of pensions and usher in a new era

More information

BCP GLOBAL PORTFOLIO SOLUTIONS (GPS)

BCP GLOBAL PORTFOLIO SOLUTIONS (GPS) GROW YOUR FUNDS - PROTECT CAPITAL BCP GLOBAL PORTFOLIO SOLUTIONS (GPS) n n n Access Portfolios of Best in Class Global Funds & Indices With the additional benefit of Capital Security at maturity Ease of

More information

PRESS RELEASE 3M 2015 results Ageas UK, 8 May 2015

PRESS RELEASE 3M 2015 results Ageas UK, 8 May 2015 PRESS RELEASE 3M 2015 results Ageas UK, 8 May 2015 Profitable first quarter for Ageas UK Executive Summary Increased year on year profit reflecting benign weather impact Net profit of GBP 12.0 million

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.

More information

Your guide to investment funds at Canada Life International Limited

Your guide to investment funds at Canada Life International Limited Your guide to investment funds at Canada Life International Limited Investing in your future Investing offshore Why offshore investing can work for you. Core investment range Access to over 150 internal

More information

Welcome to UL Protecting People, Products and Places

Welcome to UL Protecting People, Products and Places Welcome to UL Protecting People, Products and Places A symbol 22 billion ul marks appear on 69,795 manufacturers produced ul certified * 23,612 certified for energy star* of trust Facts & Figures 2014

More information

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference.

KEY FEATURES. SELECT PORTFOLIO BOND (WEALTH MANAGERS) This is an important document. Please keep it safe for future reference. SELECT PORTFOLIO BOND (WEALTH MANAGERS) KEY FEATURES. This is an important document. Please keep it safe for future reference. LEGAL & GENERAL SELECT PORTFOLIO BOND 2 SELECT PORTFOLIO BOND (WEALTH MANAGERS)

More information

International Payment and Risk Management Solutions business.westernunion.co.uk

International Payment and Risk Management Solutions business.westernunion.co.uk Moving Business Forward International Payment and Risk Management Solutions business.westernunion.co.uk Moving your business forward with a trusted leader We enable companies of all sizes to send and receive

More information

Private Banking PRIVATE BANKING

Private Banking PRIVATE BANKING Private Banking PRIVATE BANKING Our clients can take advantage of our global expertise in private banking, investment banking and asset management to fulfil their financial needs. Private Banking Introducing

More information

METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS

METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS METLIFE SINGLE LIFE RELEVANT LIFE POLICY TERMS AND CONDITIONS Contents 1 The MetLife Single Life Relevant Life policy 4 2 Definitions 4 3 Minimum requirements for the MetLife Single Life Relevant Life

More information

Morgan Stanley 10th Annual European Financials Conference. Mark Wilson Chief Executive Officer. March 2014

Morgan Stanley 10th Annual European Financials Conference. Mark Wilson Chief Executive Officer. March 2014 Morgan Stanley 10th Annual European Financials Conference Mark Wilson Chief Executive Officer March 2014 1 Disclaimer Cautionary statements: This should be read in conjunction with the documents filed

More information

DreamSaver. 20-year Endowment Plan. DreamSaver. For those who think Dreams are worth pursuing

DreamSaver. 20-year Endowment Plan. DreamSaver. For those who think Dreams are worth pursuing DreamSaver 20-year Endowment Plan DreamSaver For those who think Dreams are worth pursuing DreamSaver For those who think Dream are worth pursuing Whether it is the marriage of your child, buying a house

More information

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Report Prospectus March 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1

More information

MetLife Income Annuity SM

MetLife Income Annuity SM MetLife Income Annuity SM Predictable income that lasts as long as you live Single Premium Immediate Annuity is issued by MetLife Investors USA Insurance Company and in New York, only by First MetLife

More information

Exchange Traded Funds. An Introductory Guide. For professional clients only

Exchange Traded Funds. An Introductory Guide. For professional clients only Exchange Traded Funds An Introductory Guide For professional clients only Exchange-Traded Funds (ETFs) started to be used in Europe in the early 2000s but over the past few years they have grown their

More information

Investment Guide. Understanding how your pension is invested

Investment Guide. Understanding how your pension is invested Understanding how your pension is invested Introduction The Creative Pension Trust ( the Scheme ) is an occupational money purchase pension scheme. It operates as a master trust, which means that many

More information

Recap of Recent Announcements

Recap of Recent Announcements Recap of Recent Announcements Donald Guloien President & Chief Executive Officer July 8, 2009 Legal Disclaimer Caution Regarding Forward-Looking Statements This document contains forward-looking statements

More information

STAKEHOLDER PENSIONS FUND SELECTION IT S ALL ABOUT CHOICE

STAKEHOLDER PENSIONS FUND SELECTION IT S ALL ABOUT CHOICE STAKEHOLDER PENSIONS FUND SELECTION IT S ALL ABOUT CHOICE A SCOTTISH WIDOWS STAKEHOLDER PENSION IS A WAY OF SAVING FOR RETIREMENT. YOUR PENSION CANNOT NORMALLY BE ACCESSED UNTIL YOU REACH AGE 55. We offer

More information

Keynote Speech delivered in the 2007 Financial Planning Conference. Organized by the Institute of Financial Planners.

Keynote Speech delivered in the 2007 Financial Planning Conference. Organized by the Institute of Financial Planners. Keynote Speech delivered in the 2007 Financial Planning Conference Organized by the Institute of Financial Planners 2 November 2007 Best Practice for Financial Planners Alexa Lam Executive Director Intermediaries

More information

Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance

Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance Report Prospectus March 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page

More information

1 SIS Global Reach and Capabilities

1 SIS Global Reach and Capabilities February 2015 1 SIS Global Reach and Capabilities Company Overview SIS International Research is a leading global Market Research & Market Intelligence firm providing comprehensive research services and

More information

THE PHILIPPINE AMERICAN LIFE AND GENERAL INSURANCE COMPANY 3/F PHILAMLIFE BLDG., UN AVENUE, ERMITA, MANILA TEL. NO: 528-5029 PHILAMLIFE@AIA.

THE PHILIPPINE AMERICAN LIFE AND GENERAL INSURANCE COMPANY 3/F PHILAMLIFE BLDG., UN AVENUE, ERMITA, MANILA TEL. NO: 528-5029 PHILAMLIFE@AIA. THE PHILIPPINE AMERICAN LIFE AND GENERAL INSURANCE COMPANY 3/F PHILAMLIFE BLDG., UN AVENUE, ERMITA, MANILA TEL. NO: 528-5029 PHILAMLIFE@AIA.COM Media Release Contacts : CJ Malibiran Tel. No. 528-5029 Philam

More information

Canada Life Manager-of-Managers

Canada Life Manager-of-Managers Canada Life Manager-of-Managers Contents What is the Manager-of-Managers approach to investing? What are the benefits to investors? Is this a new approach to investing? Who are SEI? Key facts SEI global

More information

Synergy Buy Out Bond Financial adviser guide

Synergy Buy Out Bond Financial adviser guide Synergy Buy Out Bond Financial adviser guide Contents 03 Help your clients keep track of their pension investments 04 What is a buy out bond? 05 What the rules say... 06 Key reasons to recommend a Synergy

More information

2002 Skandia Awards. Stern Stewart & Co. Colombia ranked number one in creating value by Stern Stewart & Co.

2002 Skandia Awards. Stern Stewart & Co. Colombia ranked number one in creating value by Stern Stewart & Co. 2002 Skandia Awards Australia Excellence in Financial Services Australian Skandia's suite of products was named among the top 10 portfolio platforms by ASSET magazine in the Awards for Excellence in Financial

More information

MetLife Discretionary Gift Trust

MetLife Discretionary Gift Trust R MetLife Discretionary Gift Trust Important Information This document is provided on the strict understanding that it is presented as a draft to be considered by the Settlor and his/her legal advisers.

More information

Your guide to retirement savings and fund choices

Your guide to retirement savings and fund choices Your guide to retirement savings and fund choices The Global Connections Group Personal Pension Plan for employees automatically enrolled into the plan Contents What is The Global Connections Group Personal

More information

2014 Dividend Scale Announcement

2014 Dividend Scale Announcement 2014 Dividend Scale Announcement Life Whole MetLife expects to pay approximately $1.25 billion in dividends to eligible life insurance policyhers in 2014. 1 This significant payment demonstrates our continued

More information

Pension plan governance and management

Pension plan governance and management Pension plan governance and management Mercer Pension plan governance Pension and management plan governance and management Ever since the Pensions Act 2004 took effect, most trustee boards have faced

More information