KEY ADVANTAGES INCLUDE:
- Flexible investment horizon. Your investment horizon is the number
of years you are able to make regular contributions. The greater
the number of years, the more your account will grow.
- Security knowing
your plan is registered in a trust and your investments reside
with a world-class global custodian.
- Allocation bonus on contributions.
- Access to a wide variety of international
investment funds with professional investment management by experienced
fund managers.
- Flexible premium payment methods. You can also
set up automatic periodic payments through your credit card.
- Fund
switching capability via internet access to your policy 24 hours/day,
7 days/week.
- Loyalty bonuses to
help your savings grow faster.
- Tax efficient fund growth.
IMPORTANT INFORMATION
Heritage Plan is intended for the long-term
and therefore, it is not designed for early surrender. A surrender
charge is applied to the plan value in the event of early termination. Please refer
to the Trust document, plan documents, and Plan Illustration
for details and explanation of the plan charges.
The Trust will invest in a policy on behalf
of the Plan Participant, and will in turn; invest the net proceeds
of the premiums received according to the investment directions
indicated by the Plan Participant. In
the event of death within the first 5 years of the plan, beneficiaries
will receive the greater of the redemption value of the policy or
the sum of the contributions paid.
The value of the plan is not guaranteed and can go up and down depending
on investment performance of the underlying securities.
Any personal tax liability will depend on the
participant’s
country of residence and personal circumstances. Participants should
consult a Financial Advisor if they require more detailed information
on the tax position of the Plan in their respective country.
Heritage Plan is designed for international participants only and
is not available to citizens or residents of the United States of
America.
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