ACORN LIFE PERSONAL PENSION PLAN SINGLE CONTRIBUTION PROVISIONS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "ACORN LIFE PERSONAL PENSION PLAN SINGLE CONTRIBUTION PROVISIONS"

Transcription

1 ACORN LIFE PERSONAL PENSION PLAN SINGLE CONTRIBUTION PROVISIONS 1. Summary (a) This Policy is a Single Contribution Personal Pension Plan issued by us, Acorn Life Limited (the Company ). The purpose of the Policy is to provide you, the Policy Owner, with retirement benefits under Section 784 of the Taxes Consolidation Act (b) The Single Premium is used to purchase units in the Acorn Life Deposit Fund 4 and the BCP Asset Management Limited ( BCP ) Structured Fund or Funds that you have chosen to invest in. These units are allocated to your Policy Unit Account. (c) When you decide to draw benefits from your policy, (which will normally be between your 60th and 70th birthday), the value of the Policy Unit Account is used to provide you with your retirement benefits. 2. Definitions Acorn Life Limited The Company providing the benefits under this policy. All references to we, us, the Company, Acorn Life etc, refer to Acorn Life Limited. BCP Structured Funds The Funds offered to you by BCP and that are available to this policy; namely the Split Deposit Absolute Return Bond 9, the 90 Absolute Return Bond 5 and the 120 Absolute Return Bond 3. These Funds provide a high level of capital security (between 95% and 100%) plus a potential additional return linked to the performance of the Carmignac Patrimoine Fund. Commencement Date The date on which the policy legally comes into force as shown in the Policy Schedule. Fund The policy invests in the available Fund(s) that you have chosen. Each Fund is a group of assets and liabilities which we identify and account for separately. The purpose of the Funds is to allow us to calculate the benefits under the policy. We remain the sole owners of the assets of each Fund. Maturity Date The end date of the term of the BCP Structured Funds i.e. 3 rd April Policy Anniversary Any annual anniversary of the Commencement Date. Policy Owner The person entering into the contract with us and responsible for paying the Single Contribution. All references to you and your refer to the Policy Owner. Policy Schedule The policy document which details in full the cover provided under the policy, the Single Contribution payable, the Commencement Date and the selected Fund(s). Provisions The entire contents of this document. Policy Unit Account The Policy Unit Account at any date means the Units then credited to the policy. Its value at anytime is the value of the Units in the account at the then current Unit Bid Price. Acorn Life Limited is regulated by the Central Bank of Ireland Page 1 of 8 AC

2 Single Contribution This is the amount payable into the Policy before it may commence, as stated on the Policy Schedule. Unit Bid Value The Unit Bid Value of a Fund at any date means the value of the units in the Fund at that date at the then current Unit Bid Price. 3. General Conditions (a) The Provisions of the Policy are based on current legislation and taxation. Sometimes changes may occur in relation to taxation, legislation or other circumstances which make it impractical, or unfair, to implement the Provisions fully. In this case, the Company may vary the Provisions. (b) When considering if a change in circumstances results in the Provisions becoming unfair the Company will consider: (i) the effect of the change on the balance between your interests and our interests, and (ii) the effect of the change on the balance between the interests of different groups of Policy Owners. (c) You can question any decision of the Company if you feel that it is not in accordance with Provisions 3 (a) or 3 (b) above. If you and the Company do not agree on a decision it will be referred to the Financial Services Ombudsman, or a person nominated by the Ombudsman, for adjudication. (d) You should note that the Company carries out regular reviews of the adequacy of the charges applicable to this class of Policy. When considering if a change to any of the charges is required, we will advise you at least 30 days in advance of the change taking effect. 4. Revenue Approval This contract is approved by the Revenue Commissioners under Section 784 of the Taxes Consolidation Act No alterations will be permitted unless they are first approved by the Revenue Commissioners. This approved status means that the Revenue Commissioners will allow the Policy to benefit from the favourable tax treatment available to this type of pension policy. 5. Payment of Contribution The Single Contribution is payable before the Commencement Date. No further Contribution may be paid into this Policy. 6. Funds General (a) Each Fund is a group of assets and liabilities which we identify and account for separately. The purpose of the Funds is to allow us to calculate the benefits under the Policy. We remain the sole owner of the assets of each Fund. (b) Each Fund receives all income and profits that arise from its assets, pays all costs incurred in the purchase and sale of its assets, and pays any interest and expenses related to its liabilities. (c) Each Fund is divided into a number of Fund Units of equal value. Whenever assets are added to the Fund, we create Fund Units with a value equal to that of the assets added, less any related liabilities. Whenever assets are withdrawn from the Fund, we cancel Fund Units with a value equal to that of the assets withdrawn. Acorn Life Limited is regulated by the Central Bank of Ireland Page 2 of 8 AC

3 7. Allocation of Contribution to Funds (a) The Acorn Life Deposit Fund 4 (i) On the Commencement Date we will allocate 7% of your Single Contribution investment to the Acorn Life Deposit Fund 4. On 3 rd July 2014 and on every anniversary of that date up to and including 3 rd July 2019, we will make a deduction from the Acorn Life Deposit Fund 4 to cover the cost of the 1% per annum management charge that applies to your policy from 3 rd July 2014 to 3 rd April The amount deducted in respect of this charge is based on the total Policy Value as at the date of deduction. (ii) Two working days following 3 rd April 2020, the remaining units, if any, in the Acorn Life Deposit Fund 4 will be exchanged for an equal value of units in the Acorn Life Pension Deposit Fund 2. Other options may be made available at that time at the Company s absolute discretion. (iii) If you wish for your retirement benefits to start prior to the Maturity Date of the BCP Structured Funds you will lose the value of the units purchased by the 7% investment in the Acorn Life Deposit Fund 4 on the Commencement Date. (iv) The units purchased by the 7% investment in the Acorn Life Deposit 4 on the Commencement Date may not be transferred out to another approved pension contract prior to the Maturity Date of the BCP Structured Funds. (b) The BCP Structured Funds (i) 93% of your Single Contribution investment is allocated to the BCP Structured Fund(s) that are available to this policy (as described in Provisions 9, 10 and 11) according to the fund selection chosen by you at outset. The purpose of your investment in the BCP Structured Fund(s) is to provide you with capital security on maturity of the fund(s) after five years and nine months, with a potential further bonus relating to the performance of the Carmignac Patrimoine Fund. (ii) The BCP Structured Fund(s) have a 5 year and 9 month investment term from 3 rd July 2014 to 3 rd April Two working days following the 3rd April 2020, the units in the BCP Structured Fund(s) will be exchanged for an equal value of units in the Acorn Life Pension Deposit Fund 2. Other options may be made available at that time at the Company s absolute discretion. (iii) The units purchased by the 93% investment in the BCP Structured Fund(s) may not be transferred out to another approved pension contract prior to the Maturity Date of the BCP Structured Funds. (iv) For each of the BCP Structured Funds, Acorn Life will effect a deposit contract with Investec Bank PLC (Irish Branch) ( Investec ) under which Investec will provide Acorn Life Limited with the capital security and investment returns for your investment. Acorn Life s liability is limited to the maturity amounts that it actually receives from Investec under the terms of this deposit contract with them. In the event that Investec does not repay the full maturity amount to Acorn Life, the Unit Bid Prices calculated in Provisions 9 (e), 10 (c) and 11 (c) below, and therefore the value of your investment, will be reduced to reflect the amount of maturity proceeds actually received by Acorn Life compared to those due. The BCP Structured Funds are not sponsored, endorsed or promoted by Investec. Investec will make payments only to Acorn Life Limited and will have no liability to any potential investor or any member of the public. Investec is regulated by the Central Bank of Ireland. 8. Acorn Life Deposit Fund 4 (a) The Company values the Acorn Life Pension Deposit Fund 4 each working day. Quoted investments are valued at market dealing prices. Other investments are valued at amounts provided by the investment managers of the fund. The Fund Unit Value will be calculated by dividing the value of the fund by the number of fund units in existence. (b) Unit Offer and Bid Prices are calculated by the Company from the fund s Policy Unit Value. The Policy Unit Value is calculated by increasing or reducing its value at the previous time the Acorn Life Limited is regulated by the Central Bank of Ireland Page 3 of 8 AC

4 fund was valued to take account any change in the Fund Unit Value (as calculated in Provision 8 (a)) since the previous time the fund was valued. (c) The Unit Bid Price and the Unit Offer Price will generally be equal to the Policy Unit Value rounded to the nearest one tenth of one cent. (d) Despite Provision 8(c), if it is in the interests of Policy Owners in general, the Company may further adjust the Unit Offer and Bid Prices as we deem necessary. 9. BCP Split Deposit Absolute Return Bond 9 Fund ( SDARB 9 Fund ) (a) The Company will determine the value of the SDARB 9 Fund every three months or more frequently as it shall determine. The value of the Fund so determined divided by the number of Fund Units then outstanding shall be the Fund Unit Value. (b) For the SDARB 9 Fund the Unit Bid Price is equal to the Fund Unit Value. The Unit Offer Price only applies on the 3 rd July 2014 and is equal to 100 cent on that date. (c) 20% of any investment in the SDARB 9 Fund is placed in a 12 month fixed high yield deposit account. This account matures on 3 rd July 2015 and will return 105% of this portion of the investment which will then be reinvested to the Acorn Life Deposit Fund 4, or other Funds that may be made available at that time at the Company s absolute discretion. On 3 rd July 2015 the Unit Bid Value of the SDARB 9 Fund will be reduced in accordance with the reinvestment to the Acorn Life Deposit Fund 4 (or other Funds). (d) 80% of any investment in the SDARB 9 Fund is linked to 80% of the performance of the Carmignac Patrimoine Fund over the 5 year and 9 month term of the SDARB 9 Fund from 3 rd July 2014 to 3 rd April (e) The Unit Bid Price of the SDARB 9 Fund on the working day following 3 rd April 2020 will be set to 100 cent and will then be increased to allow for the growth, if any, in the Carmignac Patrimoine Fund. This growth will be calculated by: i. subtracting the closing value of the Carmignac Patrimoine Fund on the 3 rd July 2014 from the average of the closing value of the Carmignac Patrimoine Fund on the 3 rd of each month from 3 rd April 2019 to 3 rd April (Note: where the 3 rd is not a trading day, the closing level of the index on the following scheduled trading day is used.) ii. the result from (i) will then be divided by the closing value of the Carmignac Patrimoine Fund on the 3 rd April 2020 and multiplied by 80%. iii. the result from (ii) will then be subject to a minimum of 0%. (f) The Unit Bid Price will generally be equal to the Policy Unit Value. (g) Notwithstanding Provisions 9 (b) and 9 (e) above the Company may, for the protection of the interests in general of Policy Owners, increase or reduce the Unit Offer and Bid Prices as it may deem necessary. (h) A 1% per annum management charge applies to your policy from 3rd July 2014 to 3rd April 2020, as referred to in Provision 7 (a). The charges that apply to the SDARB 9 Fund are implicit within the structure of the Fund and are in addition to the management charge. Details of these implicit charges can be seen in the policy issue pack that you receive once your policy is issued. 10. BCP 90 Absolute Return Bond 5 Fund ( 90 ARB 5 Fund ) (a) The Company will determine the value of the 90 ARB 5 Fund every three months or more frequently as it shall determine. The value of the Fund so determined divided by the number of Fund Units then outstanding shall be the Fund Unit Value. (b) For the 90 ARB 5 Fund the Unit Bid Price is equal to the Fund Unit Value. The Unit Offer Price only applies on the 3 rd July 2014 and is equal to 100 cent on that date. Acorn Life Limited is regulated by the Central Bank of Ireland Page 4 of 8 AC

5 (c) The Unit Bid Price of the 90 ARB 5 Fund on the working day following 3 rd April 2020 will be set to 100 cent and will then be increased to allow for the growth, if any, in the Carmignac Patrimoine Fund. This growth will be calculated by: i. subtracting the closing value of the Carmignac Patrimoine Fund on the 3rd July 2014 from the average of the closing value of the Carmignac Patrimoine Fund on the 3rd of each month from 3rd April 2019 to 3rd April ii. (Note: where the 3rd is not a trading day, the closing level of the index on the following scheduled trading day is used.)the result from (i) will then be divided by the closing value of the Carmignac Patrimoine Fund on the 3 rd April 2020 and multiplied by 90%. iii. the result from (ii) will then be subject to a minimum of 0%. (d) The Unit Bid Price will generally be equal to the Policy Unit Value. (e) Notwithstanding Provisions 10 (b) and 10 (c) above the Company may, for the protection of the interests in general of Policy Owners, increase or reduce the Unit Offer and Bid Prices as it may deem necessary. (f) A 1% per annum management charge applies to your policy from 3rd July 2014 to 3rd April 2020, as referred to in Provision 7 (a). The charges that apply to the 90 ARB 5 Fund are implicit within the structure of the Fund and are in addition to the management charge. Details of these implicit charges can be seen in the policy issue pack that you receive once your policy is issued. 11. BCP 120 Absolute Return Bond 3 Fund ( 120 ARB 3 Fund ) (a) The Company will determine the value of the 120 ARB 3 Fund every three months or more frequently as it shall determine. The value of the Fund so determined divided by the number of Fund Units then outstanding shall be the Fund Unit Value. (b) For the 120 ARB 3 Fund the Unit Bid Price is equal to the Fund Unit Value. The Unit Offer Price only applies on the 3 rd July 2014 and is equal to 100 cent on that date. (c) The Unit Bid Price of the 120 ARB 3 Fund on the working day following 3 rd April 2020 will be set to 95 cent and will then be increased to allow for the growth, if any, in the Carmignac Patrimoine Fund. This growth will be calculated by: i. subtracting the closing value of the Carmignac Patrimoine Fund on the 3rd July 2014 from the average of the closing value of the Carmignac Patrimoine Fund on the 3rd of each month from 3rd April 2019 to 3rd April ii. the result from (i) will then be divided by the closing value of the Carmignac Patrimoine Fund on the 3 rd April 2020 and multiplied by 120%. iii. the result from (ii) will then be subject to a minimum of 0%. (d) The Unit Bid Price will generally be equal to the Policy Unit Value. (e) Notwithstanding Provisions 11 (b) and 11 (c) above the Company may, for the protection of the interests in general of Policy Owners, increase or reduce the Unit Offer and Bid Prices as it may deem necessary. (f) A 1% per annum management charge applies to your policy from 3rd July 2014 to 3rd April 2020, as referred to in Provision 7 (a). The charges that apply to the 120 ARB 3 Fund are implicit within the structure of the Fund and are in addition to the management charge. Details of these implicit charges can be seen in the policy issue pack that you receive once your policy is issued. 12. Acorn Life Pension Deposit Fund 2 (a) The Company values the Acorn Life Pension Deposit Fund 2 each working day. Quoted investments are valued at market dealing prices. Other investments are valued at amounts provided by the investment managers of the fund. The Fund Unit Value will be calculated by dividing the value of the fund by the number of Fund Units in existence. Acorn Life Limited is regulated by the Central Bank of Ireland Page 5 of 8 AC

6 (b) Unit Bid Price is calculated by the Company from the fund s Policy Unit Value. The Policy Unit Value is calculated by increasing or reducing its value at the previous time the fund was valued to take account of: (i) any change in the Fund Unit Value (as calculated in Provision 12 (a)) since the previous time the fund was valued; (ii) a Management Charge equal to the daily equivalent of one half of one percent per annum of the Policy Unit Value. We reserve the right to vary the amount of this charge in the future. If future legislation should introduce any taxes or levies for which we are liable on this class of business, then we also reserve the right to make any other adjustments to the Policy Unit Value for our own benefit when Units are allocated. (c) The Unit Bid Price will generally be equal to the Policy Unit Value rounded to the nearest one tenth of one cent. (d) Despite Provision 12(b), if it is in the interests of Policy Owners in general, the Company may further adjust the Bid Prices as we deem necessary. 13. Allocation of Contribution to Units (a) The Single Contribution you pay will be used in full to purchase Units when we receive them. (b) The number of Units purchased will be equal to the Single Contribution divided by the next calculated Unit Offer Price. These Units are added to the Policy Unit Account. The value of the Policy Unit Account at any time will be equal to the number of Units of each Fund remaining in the Policy Unit Account multiplied by the Fund s Unit Bid Price. 14. Unit Deductions (a) On 3rd July 2014 and on every anniversary of that date up to and including 3rd July 2019, we will make a deduction from the Acorn Life Deposit Fund 4 to cover the cost of the 1% per annum management charge that applies to your policy from 3rd July 2014 to 3rd April The amount deducted in respect of this charge is based on the total Policy Value as at the date of deduction. We will provide you with details of the amounts of these deductions on a written request. (b) Units will also be deducted from the Acorn Life Deposit Fund 4 to cover the cost of the Pension Fund Levy and any other levies that may be applied to your policy. (c) If there are insufficient Units in the Acorn Life Deposit Fund 4 to cover the cost of the management charge and any levies that may apply we will make the relevant deduction from the BCP Structured Fund in which your policy is invested. If you have Units in more than one BCP Structured Fund, unit deductions will be split between the funds, generally in proportion to the value each fund contributes to the Policy Unit Account. 15. Commencement of Payment of Retirement Benefits (a) You can decide when you wish your retirement benefits to start, simply by writing to us. This notification can be given at any time prior to the time you wish your benefits to commence but note (b), (c) and (d) below. (b) If you wish for your retirement benefits to start prior to the Maturity Date of the BCP Structured Funds you will lose the value of the units purchased by the 7% investment in the Acorn Life Deposit Fund 4 on the Commencement Date. (c) Retirement benefits cannot start any later than your 75th birthday. Therefore we will pay your retirement benefits from that date even if we have not received your instructions. (d) Retirement benefits cannot start any earlier than your 60th birthday unless: Acorn Life Limited is regulated by the Central Bank of Ireland Page 6 of 8 AC

7 (i) you have become permanently incapable for medical reasons of carrying on your occupation or any occupation of a similar nature for which you are trained. We will need medical evidence to satisfy ourselves that you meet these requirements. (ii) your occupation is one in which a person normally retires before the age of 60. In this case your retirement benefits can commence at an earlier age providing the Revenue Commissioners will allow this. 16. Type of Retirement Benefits (a) Under current Revenue rules, the retirement benefits available can include: (i) a lump sum of an amount of up to one quarter of the value of the Policy Unit Account (subject to Provision 15 (b)) at the date retirement benefits are to commence, and (ii) a pension providing a guaranteed income in any form which you choose and which is permitted by the Revenue Commissioners and/or an investment in an Approved Minimum Retirement Fund (AMRF) or Approved Retirement Fund (ARF) The amount of any pension you receive will be determined by applying the value of the Policy Unit Account (subject to Provision 15 (b)), less any lump sum payable or any investment in an AMRF or ARF, to the relevant annuity rates that are available in the market at the date the pension commences. (b) Under current Revenue requirements, you must inform us of the way in which you wish to take your retirement benefits before you reach age 75. (c) At your request, we will pay the whole of the value of the Policy Unit Account (subject to Provision 15 (b)) to another life assurance company which is authorised to write business in Ireland. This other company will then provide you with your retirement benefits. Once we make such a payment, we will have no further liability under the Policy. (d) You should note that it is the Revenue rules in force at the date of retirement that will determine your retirement options. 17. Death Benefit If you die before the retirement benefits have commenced, we will pay a cash sum equal to the value of the Policy Unit Account. The value will be calculated the next time Unit Bid Prices are set following receipt of written notification. Where a death benefit is payable on your policy before the Maturity Date of the BCP Structured Fund(s), the policy unit value for the BCP Structured Fund(s) that will be used for the purposes of calculating the death benefit payable on your policy will be calculated as follows; If invested in the SDARB 9 Fund or the 90 ARB 5 Fund, the greater of: (i) The Unit Bid Value of the relevant fund calculated the next time Unit Bid Prices are set following the receipt of written notification of death, and (ii) 100 cent If invested in the 120 ARB 3 Fund, the greater of: (i) The Unit Bid Value of the 120 ARB 3 Fund calculated the next time Unit Bid Prices are set following the receipt of written notification of death, and (ii) 95 cent 18. Surrender, Assignment or Commutation You cannot surrender, commute or assign to another person, the benefits under this Policy, except as provided by the Taxes Consolidation Act Acorn Life Limited is regulated by the Central Bank of Ireland Page 7 of 8 AC

8 19. Notices and Claims (a) Any amounts payable under this Policy are payable to you, your Estate or your Administrators from our Head Office. We will need: (i) Completion of the relevant forms, (ii) Satisfactory evidence of the event leading to the claim, (iii) Proof of your date of birth, and (iv) Proof of the entitlement to the benefit of the person claiming. (b) All elections or notifications to be given to us must be sent in writing to our Head Office and will be effective only on receipt. 20. General (a) The Policy, the Application Form, any statements or medical information and any other written or oral statement by you or any person concerned with the Policy and any endorsement attached to the Policy when issued will be the entire contract between you and us. (b) No provision of this Policy may be changed except by an endorsement issued by us and signed by one of our authorised officials. (c) All references in these Provisions to the Taxes Consolidation Act 1997 also apply to any reenactment or modification of that Act. (d) If there is disagreement between you and us over the interpretation of any Provision it shall be referred to an arbitrator who is mutually acceptable to both of us. Should we fail to agree an arbitrator the matter will be referred to the Financial Services Ombudsman, or a person nominated by the Ombudsman, for adjudication. (e) The Policy will be governed by the laws of Ireland. Premiums and benefits will be payable in the currency of Ireland. Acorn Life Limited is regulated by the Central Bank of Ireland Page 8 of 8 AC

POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11)

POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11) POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11) Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Contract and definitions Contributions The funds Unit linking Benefits & Options

More information

POLICY CONDITIONS Conductor Personal Pension Plan (PC CPPP 06/11)

POLICY CONDITIONS Conductor Personal Pension Plan (PC CPPP 06/11) POLICY CONDITIONS Conductor Personal Pension Plan (PC CPPP 06/11) Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Contract and definitions Contributions The funds Unit linking Benefits General

More information

Personal Pensions. Freedom in Retirement Plan Personal & Personal (Rebate) Single Contribution Pension Plan Personal Customer Guide

Personal Pensions. Freedom in Retirement Plan Personal & Personal (Rebate) Single Contribution Pension Plan Personal Customer Guide Personal Pensions Freedom in Retirement Plan Personal & Personal (Rebate) Single Contribution Pension Plan Personal Customer Guide This Customer Guide is to be read in conjunction with the Fund Guide.

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

Personal Retirement Bond

Personal Retirement Bond Personal Retirement Bond Customer Guide This Customer Guide is to be read in conjunction with the Fund Guide. Introduction This guide applies to the Personal Retirement Bond. Zurich Life Assurance plc

More information

PERSONAL RETIREMENT SAVINGS ACCOUNT (PRSA)

PERSONAL RETIREMENT SAVINGS ACCOUNT (PRSA) PENSIONS INVESTMENTS LIFE INSURANCE PERSONAL RETIREMENT SAVINGS ACCOUNT (PRSA) STANDARD GROUP PRSA POLICY DOCUMENT TERMS AND CONDITIONS ABOUT US Established in Ireland in 1939, Irish Life is now part of

More information

Approved Minimum Retirement Fund (AMRF) Approved Retirement Fund (ARF)

Approved Minimum Retirement Fund (AMRF) Approved Retirement Fund (ARF) Approved Minimum Retirement Fund (AMRF) Approved Retirement Fund (ARF) Customer Guide This Customer Guide should be read in conjunction with the Fund Guide. Introduction This guide applies to the Approved

More information

Your Guide to Retirement Options

Your Guide to Retirement Options Your Guide to Retirement Options Contents Introduction 3 Overview 4 Personal Pension Plans/PRSAs 5 Defined Contribution Company Pension Plans 8 Additional Voluntary Contributions (AVCs) 11 Retirement

More information

THE ITC BUY OUT BOND BROCHURE. www.independent-trustee.com

THE ITC BUY OUT BOND BROCHURE. www.independent-trustee.com THE ITC BUY OUT BOND BROCHURE www.independent-trustee.com If you were the member of an occupational pension scheme, leaving or have left employment, or your pension scheme is being wound up, it is time

More information

Offshore Savings Account Key Features

Offshore Savings Account Key Features Offshore Savings Account Offshore Savings Account Key Features This document shows the main points about your Offshore Savings Account. Please read it with your personal illustration and keep it with the

More information

The Investment Bond s key features Important info you need to read

The Investment Bond s key features Important info you need to read The Investment Bond s key features Important info you need to read Before applying for the Investment Bond, please read the Key Features, which you ll find on the next few pages. The Key Features explain

More information

LifeSave Investment Bond. Customer Guide

LifeSave Investment Bond. Customer Guide LifeSave Investment Bond Customer Guide Warning: If you invest in this product you may lose some or all of the money you invest. Warning: The value of your investment may go down as well as up. Warning:

More information

Buy Out Bond Guide. Freedom to move

Buy Out Bond Guide. Freedom to move Buy Out Bond Guide Freedom to move About the company About the company Aviva Life & Pensions Ireland Limited is a subsidiary of Aviva Life Holdings Ireland Limited, a joint venture company between Aviva

More information

Annuity PENSIONS INVESTMENTS PROTECTION

Annuity PENSIONS INVESTMENTS PROTECTION Annuity About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world s leading

More information

Group Life Assurance Policy

Group Life Assurance Policy Group Life Assurance Policy Pensions Life Assurance Income Protection Group Life Assurance Policy Life Assurance Plan Whereas the Grantees described in the Schedule hereto have made a proposal to the Irish

More information

TRUSTEE TRANSFER PLAN Policy Document

TRUSTEE TRANSFER PLAN Policy Document TRUSTEE TRANSFER PLAN Policy Document [2] POLICY DOCUMENT TRUSTEE TRANSFER PLAN Contents 1. Introduction 4 2. Payments to us 6 3. Charges 7 4. Benefits payable under the Policy 8 5. Investments under the

More information

Self Directed Personal Retirement Bond. Personal Retirement Benefits Brochure

Self Directed Personal Retirement Bond. Personal Retirement Benefits Brochure Self Directed Personal Retirement Bond Personal Retirement Benefits Brochure Contents Section 1: What is a Personal Retirement Bond? 2 Section 2: Definitions 3 Section 3: Contributions 4 Section 4: Charges

More information

Eagle Star Personal Pensions & Associated Policies

Eagle Star Personal Pensions & Associated Policies Eagle Star Personal Pensions & Associated Policies Freedom in Retirement Plan - Personal & Personal (Rebate) Single Contribution Pension Plan - Personal & Income Protection Plan Customer Guide Introduction

More information

PRODUCT KEY FACTS STATEMENT

PRODUCT KEY FACTS STATEMENT AXA China Region Insurance Company (Bermuda) Limited PRODUCT KEY FACTS STATEMENT Pavo Investment Insurance Plan February 2015 This statement provides you with key information about this product. This statement

More information

Your Guide to Retirement Options

Your Guide to Retirement Options Your Guide to Retirement Options Contents Introduction 3 Overview 4 Personal Pension Plans/PRSAs 5 Defined Contribution Company Pension Plans 8 Additional Voluntary Contributions (AVCs) 11 Retirement Bonds

More information

An Adviser s Guide to Pensions

An Adviser s Guide to Pensions An Adviser s Guide to Pensions 1 An Adviser s Guide to Pensions Contents: Section 1: Personal Pensions 1.1 Eligibility 1.2 Maximum Benefits 1.3 Contributions & Tax Relief 1.4 Death Benefits 1.5 Retirement

More information

plus rewarding savings more options for your future

plus rewarding savings more options for your future plus rewarding savings more options for your future bonussave plus Aim Risk Capital Protected Funds Available Time Period Jargon Free 4 Rewarding you for saving regularly Moderate to high depending on

More information

Policy Provisions. CanProtect Whole of Life Plan. Offshore protection solutions designed for you

Policy Provisions. CanProtect Whole of Life Plan. Offshore protection solutions designed for you Policy Provisions CanProtect Whole of Life Plan Offshore protection solutions designed for you CanProtect Whole of Life Plan Policy Provisions Version 1 Page 2 of 8 Contents Sections Page number 1. Introduction.....................................................

More information

Personal Pension Account

Personal Pension Account Personal Pension Account Contents Introduction... 1 A Closer Look At Our Personal Pension Account... 2 What Are The Tax Advantages?... 3 Flexible Contribution Options... 4 You Control Your Investment...

More information

Annuity Growth Account

Annuity Growth Account Annuity Growth Account a flexible lifetime annuity Client guide Contents About Canada Life page 3 Introduction to AGA page 4 Main features AGA may be suitable page 5 AGA will be unsuitable How does AGA

More information

International Bond Key features

International Bond Key features International Bond Key features This is an important document. Please read it and keep for future reference. Helping you decide This key features document contains important information about the main

More information

Life Assurance (Provision of Information) Regulations, 2001

Life Assurance (Provision of Information) Regulations, 2001 ACTUARIAL STANDARD OF PRACTICE LA-8 LIFE ASSURANCE PRODUCT INFORMATION Classification Mandatory MEMBERS ARE REMINDED THAT THEY MUST ALWAYS COMPLY WITH THE CODE OF PROFESSIONAL CONDUCT AND THAT ACTUARIAL

More information

Friends Life Investment Bond Guide. Provided by: Brought to you by:

Friends Life Investment Bond Guide. Provided by: Brought to you by: Friends Life Investment Bond Guide Provided by: Brought to you by: Investment Bond Guide CONTENTS Contents Introducing our Investment Bond 3 Investment Bond charges 4 Investment funds 6 Managing your Investment

More information

Gains on foreign life insurance policies

Gains on foreign life insurance policies Helpsheet 321 Tax year 6 April 2013 to 5 April 2014 Gains on foreign life insurance policies A Contacts Introduction Page 2 Part 1 Types of policy Page 3 What sort of policy do you have? Page 3 When will

More information

CHAPTER 26.1-34 ANNUITIES

CHAPTER 26.1-34 ANNUITIES CHAPTER 26.1-34 ANNUITIES 26.1-34-01. Required annuity contract provisions relating to cessation of payment of considerations by contractholder. In the case of annuity contracts issued after June 30, 1979,

More information

SELECT SIPP. Taking pension benefits guide

SELECT SIPP. Taking pension benefits guide SELECT SIPP Taking pension benefits guide Please read this guide in conjunction with the Alliance Trust Savings Handbook and the appropriate Key Features documents. Alliance Trust Savings does not give

More information

AMP Life Insurance. Product Disclosure Statement and policy document

AMP Life Insurance. Product Disclosure Statement and policy document AMP Life Insurance Product Disclosure Statement and policy document Issue date: 12 March 2014 Contents Summary 1 Product issuer 1 Other companies involved in providing services 1 for the AMP Life Insurance

More information

For adviser use only. Your Guide to Relevant Life Policies

For adviser use only. Your Guide to Relevant Life Policies For adviser use only Your Guide to Relevant Life Policies Your guide to relevant life policies Welcome to the Scottish Provident guide to relevant life policies. In this guide you will find all the information

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

GROUP RETIREMENT SAVINGS PLAN

GROUP RETIREMENT SAVINGS PLAN GROUP RETIREMENT SAVINGS PLAN (the "Group Plan") The individual Retirement Savings Plans (the "Plans") established under the Group Plan will be issued by Sun Life Assurance Company of Canada ("Sun Life")

More information

Super Life Terms and Conditions. Super Life Series

Super Life Terms and Conditions. Super Life Series Super Life Terms and Conditions Super Life Series DEFINITIONS Administrative Office means the Company s office designated as such on the first page of this Policy. Age means the Insured s age at last birthday.

More information

Self Directed Portfolio

Self Directed Portfolio Self Directed Portfolio Contents 1. Introduction 4 2. Self Directed Portfolio overview 5 3. How does it work? 8 4. Technical details 24 5. Questions and answers 42 6. More information 44 3 1 Introduction

More information

THE EMPIRE LIFE INSURANCE COMPANY TRILOGY. Policy Summary

THE EMPIRE LIFE INSURANCE COMPANY TRILOGY. Policy Summary Policy Summary This Policy Summary is dated June 1, 2012. When you make a change to your Contract, we will issue a new version of these pages. The Policy Summary with the most recent date replaces any

More information

ALLAN GRAY LIVING ANNUITY TERMS AND CONDITIONS

ALLAN GRAY LIVING ANNUITY TERMS AND CONDITIONS ALLAN GRAY LIVING ANNUITY TERMS AND CONDITIONS Allan Gray Living Annuity Terms and Conditions Policy document This document is your Policy Document. It summarises the Allan Gray Living Annuity and sets

More information

Additional Voluntary Contribution (AVC) Plan

Additional Voluntary Contribution (AVC) Plan Public Service Executive Union Additional Voluntary Contribution (AVC) Plan Explanatory Booklet ffgeneral contents Introduction 3 Introduction 4 The Additional Voluntary Contribution Plan 5 What are Additional

More information

Pension Guaranteed Term Protection - Personal. Customer Guide

Pension Guaranteed Term Protection - Personal. Customer Guide Pension Guaranteed Term Protection - Personal Customer Guide Introduction This guide applies to the Zurich Life Pension Guaranteed Term Protection - Personal Plan. Zurich Life Assurance plc ( Zurich Life

More information

Pension Annuity. Customer Guide

Pension Annuity. Customer Guide Pension Annuity Customer Guide Introduction This guide applies to the Zurich Life Pension Annuity. We want to make sure that you purchase a policy that meets exactly with your requirements. This guide

More information

Broker Guide to Canada Life Products Version 42

Broker Guide to Canada Life Products Version 42 This document is intended for Financial Advisors only and not consumers. Broker Guide to Canada Life Products Version 42 SOURCE: Marketing Information valid as per April 2013 This Guide does not form part

More information

Product Options Guide

Product Options Guide Product Options Guide A comprehensive guide to the options available on National Mutual Life Association (NMLA) Whole of Life, Endowment, Pure Endowment, Goldline, Flexipol and Link-Save policies and plans.

More information

FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER

FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER FLEXIBLE LIFETIME ANNUITY NATIONAL INSURANCE NUMBER POLICY NUMBER 1 THE PRUDENTIAL ASSURANCE COMPANY LIMITED Incorporated in England Reg'd No. 15454 Registered Office: Laurence Pountney Hill, London, EC4R

More information

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The

More information

Defined Contribution Pension Plan. Employee Brochure

Defined Contribution Pension Plan. Employee Brochure Defined Contribution Pension Plan Employee Brochure This brochure describes your Defined Contribution Pension Plan, the aim of which is to help you provide financially for your retirement. This plan is

More information

Group Life Policy for Registered Schemes Technical Guide

Group Life Policy for Registered Schemes Technical Guide For commercial customers and their advisers only Group Life Policy for Registered Schemes Technical Guide Reference BGR/4507/FEB10-P Contents Page Its aims 3 Employers your commitment Risk factors How

More information

INDIVIDUAL SINGLE PREMIUM DEFERRED ANNUITY CONTRACT

INDIVIDUAL SINGLE PREMIUM DEFERRED ANNUITY CONTRACT GENWORTH LIFE INSURANCE COMPANY Administrative Office 3100 Albert Lankford Drive Lynchburg, VA 24501 4948 INDIVIDUAL SINGLE PREMIUM DEFERRED ANNUITY CONTRACT This annuity is a legal contract between you

More information

NHS Pension Scheme: Lifetime Allowance Charge (LTAC)

NHS Pension Scheme: Lifetime Allowance Charge (LTAC) NHS Pension Scheme: Lifetime Allowance Charge (LTAC) Amounts exceeding the Lifetime Allowance (LTA) are subject to a Lifetime Allowance Charge (LTAC) at the time benefits are taken. Any pension taken is

More information

ST IVES PLC ST IVES LONG TERM INCENTIVE PLAN 2010. Approved by shareholders of the Company on. Adopted by the board of the Company on

ST IVES PLC ST IVES LONG TERM INCENTIVE PLAN 2010. Approved by shareholders of the Company on. Adopted by the board of the Company on DISPLAY VERSION ST IVES PLC ST IVES LONG TERM INCENTIVE PLAN 2010 Approved by shareholders of the Company on Adopted by the board of the Company on The Plan is a discretionary benefit offered by St Ives

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

Allstate ChoiceRate Annuity

Allstate ChoiceRate Annuity Allstate ChoiceRate Annuity Allstate Life Insurance Company P.O. Box 80469 Lincoln, NE 68501-0469 Telephone Number: 1-800-203-0068 Fax Number: 1-866-628-1006 Prospectus dated May 1, 2008 Allstate Life

More information

Banner Life Insurance Company. 3275 Bennett Creek Avenue. Frederick, Maryland 21704. 800-638-8428. [Jane Doe], or subsequently changed by the Owner

Banner Life Insurance Company. 3275 Bennett Creek Avenue. Frederick, Maryland 21704. 800-638-8428. [Jane Doe], or subsequently changed by the Owner RENEWABLE AND CONVERTIBLE TERM LIFE INSURANCE. Banner Life Insurance Company. 3275 Bennett Creek Avenue. Frederick, Maryland 21704. 800-638-8428 Insured - [John Doe] Face Amount - [$1,000,000] Policy Number

More information

A brief guide to the pension provisions of the Family Law Acts

A brief guide to the pension provisions of the Family Law Acts A brief guide to the pension provisions of the Family Law Acts www.pensionsauthority.ie The Pensions Authority Verschoyle House 28/30 Lower Mount Street Dublin 2 Tel: (01) 613 1900 Locall: 1890 65 65 65

More information

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday.

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday. DEFINITIONS The following are definitions of some of the terms used in your Equitable Life Term Life Insurance policy. If you need additional information or clarification please call one of our Individual

More information

pensions investments life insurance Administrator Guide

pensions investments life insurance Administrator Guide pensions investments life insurance Personal Retirement Savings Accounts (PRSA) Administrator Guide About us Established in Ireland in 1939, Irish Life is now part of the Great-West Lifeco group of companies,

More information

Long Terms Savings Plan Members Guide. Irish Life - Savings Made Easy

Long Terms Savings Plan Members Guide. Irish Life - Savings Made Easy Long Terms Savings Plan Members Guide Irish Life - Savings Made Easy Stay up to date with your savings! We offer a number of great online tools to keep you informed about your investments Visit our website

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

Annuity and approved retirement funds Your options explained

Annuity and approved retirement funds Your options explained Annuity and approved retirement funds Your options explained Contents 03 How can I access my pension fund? 04 What are my options? 05 Your options explained 08 How do I decide what my options are? 09 Annuity

More information

Public Sector Employees Approaching Retirement

Public Sector Employees Approaching Retirement Public Sector Employees Approaching Retirement Sub-Title taking care of you... Planning for retirement Contents Planning for retirement 4 Retirement Lump Sum 5 Additional Pension 6 Sample Illustrations

More information

Important information. Key Features of the International Prudence Bond (Spain)

Important information. Key Features of the International Prudence Bond (Spain) Important information Key Features of the International Prudence Bond (Spain) > Contents About this booklet 3 About the International Prudence Bond 3 Its aim 4 Your investment 4 Risks 4 Questions and Answers

More information

Guaranteed Annuity. Policy Terms & Conditions

Guaranteed Annuity. Policy Terms & Conditions Guaranteed Annuity Policy Terms & Conditions Your Guaranteed Annuity Policy The Guaranteed Annuity is a contract of insurance between you and us formed by: your signed application this policy booklet,

More information

General Terms and Conditions. Specific Conditions. Fixed Rate, Fixed Term State Savings Products

General Terms and Conditions. Specific Conditions. Fixed Rate, Fixed Term State Savings Products General Terms and Conditions and the Specific Conditions for the Rate, Term State Savings Products Issued on Sunday Terms and Conditions Rate, Term Products Index Page Definitions 4 General Terms & Conditions

More information

With Our PRSA You Can

With Our PRSA You Can Live Life Your Way With Our PRSA You Can Making Your Money Work As Hard As You Do Contents Why Should I Plan For My Retirement?... 2 How Will My PRSA Work?... 4 How Will I Benefit From A PRSA?... 6 Investment

More information

PROTEKTOR PRESERVATION FUND

PROTEKTOR PRESERVATION FUND PROTEKTOR PRESERVATION FUND ANNA SISHULI EMPLOYEE I have changed jobs three times in my career. Each time I changed employment, I invested my accumulated retirement fund savings in Protektor and paid no

More information

HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND

HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND HOW WE MANAGE THE PHOENIX LIFE LIMITED SPI WITH-PROFITS FUND A guide for trustees with Simplified Pension Investment deposit administration policies invested in this fund The aims of this guide The guide

More information

Over 50s Funeral Plan

Over 50s Funeral Plan Over 50s Funeral Plan Policy Booklet One Direct (Ireland) Limited, trading as Post Insurance, is regulated by the Central Bank of Ireland. One Direct (Ireland) Limited is a wholly owned subsidiary of An

More information

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE This document is a guide to the features, benefits, risks and limitations of the MetLife Excepted Group Life policy, including how the policy works and

More information

Personal Cover - Life Cover SECTION A - DEFINED TERMS

Personal Cover - Life Cover SECTION A - DEFINED TERMS Personal Cover - Life Cover SECTION A - DEFINED TERMS DEFINED TERMS In this Policy certain words have particular meanings. These words are in Bold and the meanings set out below. Interpretation Throughout

More information

SAMPLE. is equal to the Death Benefit less the Account Value of your policy.

SAMPLE. is equal to the Death Benefit less the Account Value of your policy. DEFINITIONS EquiLife Limited Pay UL (Joint first-to-die) The following are definitions of some of the terms used in your EquiLife Joint First-to-Die policy. If you need additional information or clarification

More information

PPS RETIREMENT ANNUITY

PPS RETIREMENT ANNUITY PPS RETIREMENT ANNUITY APPLICATION FORM PROFESSIONAL PROVIDENT SOCIETY INVESTMENTS PROPRIETARY LIMITED ( PPS INVESTMENTS ) CLIENT SERVICE CENTRE CONTACT DETAILS TEL: 0861 777 723 (0861 PPS RAF) FAX: 021

More information

Sun Limited Pay Life (one insured person)

Sun Limited Pay Life (one insured person) Sun Limited Pay Life (one insured person) Policy number: LI-1234,567-8 Owner: John Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects

More information

Eagle Star Self-directed Pension

Eagle Star Self-directed Pension Eagle Star Self-directed Pension Customer Brochure Puts you in control About Zurich Life Zurich Life Assurance plc is a member of Zurich Financial Services group, an insurance-based financial services

More information

Retirement Options ESI-Tran Buy-Out Bond Personal Retirement Bond

Retirement Options ESI-Tran Buy-Out Bond Personal Retirement Bond Retirement Options ESI-Tran Buy-Out Bond Personal Retirement Bond Intermediary Name Financial Advisor Name Intermediary Number By completing and returning this form, you are instructing Zurich Life Assurance

More information

Flexible Life Plan Key Features

Flexible Life Plan Key Features Flexible Life Plan Flexible Life Plan Key Features This document shows the main points about your plan. Please read it with your personal illustration and keep it with the other documents relating to your

More information

CHAPTER 23 APPROVED RETIREMENT FUNDS. Revised July, 2013

CHAPTER 23 APPROVED RETIREMENT FUNDS. Revised July, 2013 CHAPTER 23 APPROVED RETIREMENT FUNDS Revised July, 2013 Introduction 23.1 Flexible options on retirement for pension arrangements were introduced by Finance Act 1999. Rather than purchase an annuity or

More information

HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND

HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND HOW WE MANAGE THE PHOENIX LIFE LIMITED PHOENIX WITH-PROFITS FUND A guide for policyholders with unitised with-profits policies (except for Profit Plus Fund policies) invested in this fund The aims of this

More information

304.15-315 Standard Nonforfeiture Law for Individual Deferred Annuities. (1) This section shall be known as the "Standard Nonforfeiture Law for

304.15-315 Standard Nonforfeiture Law for Individual Deferred Annuities. (1) This section shall be known as the Standard Nonforfeiture Law for 304.15-315 Standard Nonforfeiture Law for Individual Deferred Annuities. (1) This section shall be known as the "Standard Nonforfeiture Law for Individual Deferred Annuities." (2) This section shall not

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

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

ABOUT YOUR buyout bond. Client guide and policy conditions (Ref BB6) We ll help you get there

ABOUT YOUR buyout bond. Client guide and policy conditions (Ref BB6) We ll help you get there ABOUT YOUR buyout bond Client guide and policy conditions (Ref BB6) investments pensions PROTECTION We ll help you get there contents About this guide 3 What is a Buyout Bond? 4 New responsibilities 4

More information

- on termination due to redundancy

- on termination due to redundancy The Increased Tax on Lump Sum Termination Payments By Ray Stevens (USA) INTRODUCTION In May, 1983, the Government announced increases in the taxation payable on lump sum superannuation benefits and on

More information

Ensure your tomorrow is as beautiful as today.

Ensure your tomorrow is as beautiful as today. Ensure your tomorrow is as beautiful as today. HDFC LIFE PERSONAL PENSION PLUS A Traditional Participating Pension Plan Building A Foundation For Your Financial Freedom After Retirement Please note that

More information

ALL ABOUT ANNUITIES JUNE 2015 WHAT ANNUITY PRODUCTS ARE AVAILABLE FROM IRISH LIFE?

ALL ABOUT ANNUITIES JUNE 2015 WHAT ANNUITY PRODUCTS ARE AVAILABLE FROM IRISH LIFE? PENSIONS INVESTMENTS LIFE INSURANCE ALL ABOUT ANNUITIES JUNE 2015 Irish Life appreciates that you have worked hard to save for your retirement. Deciding what to do with your pension fund is one of the

More information

All about Annuities. What annuity products are available from Irish Life? What is an annuity?

All about Annuities. What annuity products are available from Irish Life? What is an annuity? All about Annuities Irish Life appreciates that you have worked hard to save for your retirement. Deciding what to do with your pension fund is one of the most important decisions you will have to make.

More information

TERMS OF COMMISSION FOR INTERMEDIARIES ( COMMISSION SCHEDULE ). April 2015.

TERMS OF COMMISSION FOR INTERMEDIARIES ( COMMISSION SCHEDULE ). April 2015. TERMS OF COMMISSION FOR INTERMEDIARIES ( COMMISSION SCHEDULE ). April 2015. 7224\690911\Fleet, Georgina\Fleet, Georgina\v1\31 July 2012 1 Terms of Commission for Intermediaries 2 IMPORTANT INFORMATION

More information

Understanding retirement income Version 5.0

Understanding retirement income Version 5.0 Understanding retirement income Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to understanding retirement.

More information

Important information. Key Features of the Prudential Savings Account Top Up Investment

Important information. Key Features of the Prudential Savings Account Top Up Investment Important information Key Features of the Prudential Savings Account Top Up Investment > Contents About this booklet 4 About the Prudential Savings Account 4 Its aim 5 Your Commitment 5 Risks 5 Questions

More information

Retirement Request Form Personal Pension Plans

Retirement Request Form Personal Pension Plans Retirement Request Form Personal Pension Plans Phoenix Ireland Please complete this form using BLOCK CAPITALS SECTION 1 Your Details Policy Number (s) PPS Number Forename (s) (In Full) Surname Address

More information

Pension Life Insurance Plan for Personal Pensions

Pension Life Insurance Plan for Personal Pensions Pension Life Insurance Plan for Personal Pensions terms and conditions booklet This product is provided by Irish Life Assurance plc. This is the Terms and Conditions booklet for your Pension Life Insurance

More information

CONSERVO INTERNATIONAL RETIREMENT PLAN INFORMATION SHEET

CONSERVO INTERNATIONAL RETIREMENT PLAN INFORMATION SHEET CONSERVO INTERNATIONAL RETIREMENT PLAN INFORMATION SHEET www.sovereigngroup.com Conservo International Retirement Plan Information Sheet The Conservo International Retirement Plan ( the Plan ) is a low

More information

Policy. Conditions. Protection Policy Conditions. Protection

Policy. Conditions. Protection Policy Conditions. Protection Protection Policy Conditions Policy Conditions Protection IMPORTANT Please keep these documents safely The utmost care should be taken of this policy as duplicates of lost policies can not generally be

More information

LIC s NEW GROUP SUPERANNUATION CASH ACCUMULATION PLAN (UIN: 512N274V01) Master Policy No. GS / CA / GRANTED TO TRUSTEES

LIC s NEW GROUP SUPERANNUATION CASH ACCUMULATION PLAN (UIN: 512N274V01) Master Policy No. GS / CA / GRANTED TO TRUSTEES Life Insurance Corporation of India Pension and Group Schemes Department Divisional Office, LIC s NEW GROUP SUPERANNUATION CASH ACCUMULATION PLAN (UIN: 512N274V01) Master Policy No. GS / CA / GRANTED TO

More information

The 50+ Life Plan s key features Important info you need to read

The 50+ Life Plan s key features Important info you need to read The 50+ Life Plan s key features Important info you need to read Before applying for the 50+ Life Plan, please read the Key Features, which you ll find on the next few pages. The Key Features explain how

More information

SHRIRAM PENSION PLAN (UIN 128L022V01)

SHRIRAM PENSION PLAN (UIN 128L022V01) SHRIRAM PENSION PLAN (UIN 128L022V01) Retirement need not necessarily mean a life full of compromises. With Shriram Pension Plan you continue to enjoy the lifestyle you are used to and lead a no compromise,

More information

International Portfolio Bond for Wrap 1/40

International Portfolio Bond for Wrap 1/40 International Portfolio Bond for Wrap 1/40 Introduction to your International Portfolio Bond for Wrap policy provisions The document attached contains the legal terms and conditions that govern our relationship

More information

Annuity Policy. For a Compulsory Purchase Annuity from an occupational pension scheme

Annuity Policy. For a Compulsory Purchase Annuity from an occupational pension scheme Annuity Policy For a Compulsory Purchase Annuity from an occupational pension scheme Please keep this Policy in a safe place, along with the accepted Annuity Quotation, the Statement of Benefits and the

More information

D1.03: MORTGAGE REPAYMENT OVERVIEW

D1.03: MORTGAGE REPAYMENT OVERVIEW D1.03: MORTGAGE REPAYMENT OVERVIEW SYLLABUS Repayment mortgages Repayment profile Interest only mortgages Full and low cost endowment mortgages Unit-linked endowment mortgages ISA mortgages Pension mortgages

More information

Nationwide Platinum EdgeSM

Nationwide Platinum EdgeSM Nationwide Platinum EdgeSM Prospectus dated May 1, 2015 A flexible purchase payment modified guaranteed annuity contract issued by Nationwide Life Insurance Company Make the switch to a cleaner mailbox and

More information