Jump to homepage Jump to accessibility information page Jump to main menu link Jump to sub menu links Jump to page content

Premier

Operation

Isle of Man

Profile

Premier is a regular premium savings plan that has in-built flexibility, easy access, huge fund choice and a range of special options.

Literature (PDF)

Features and Benefits

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

If you would like further details of Premier, please complete an Information Request Form.

Important Information

Friends Provident International Limited reserves the right to change its charges at any time at its discretion upon three months' written notice to the policyholder.

This document should be read in conjunction with the current Premier brochure and guide, which, together with the policy document and provisions, set out the terms and conditions of the contract. A written statement of the terms and conditions may be obtained from Friends Provident International Limited on request.

Each Policy is governed by and shall be construed in accordance with the law of the Isle of Man.