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Title	Description	Insurer	Market	Product	Regime	Excerpt
Utmost Guide to the Taxation of International Portfolio Bonds (adviser)	The purpose of this guide is to explain the ways in which the proceeds from your client’s international portfolio bond may be taxed. We also cover how UK income tax will be calculated when proceeds are taken, including the effects of top-slicing relief, time-apportioned reductions and other aspects of UK taxation.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific		The purpose of this guide is to explain the ways in which the proceeds from your client’s international portfolio bond may be taxed. We also cover how UK income tax will be calculated when proceeds are taken, including the effects of top-slicing relief, time-apportioned reductions and other aspects of UK taxation. Tax and regulatory Literature/technical sales aids and literature Utmost Guide to the Taxation of International Portfolio Bonds (adviser) AWI PR 0027
Utmost Tax Guide for Individual Clients	Utmost tax guide for UK resident individual clients for use with Evolution, Estate Planning Bond, Delegation, Selection and Generation Planning Bond.	United Kingdom (UK)	Utmost Wealth Solutions	Delegation, Estate Planning Bond, Evolution, Generation Planning Bond, Selection	FOS	Utmost tax guide for UK resident individual clients for use with Evolution, Estate Planning Bond, Delegation, Selection and Generation Planning Bond. Tax and regulatory Literature/technical sales aids and literature Utmost Tax Guide for Individual Clients AWI PR 0192
Focus Single Premium Top-Up	This document outlines the advantages of adding single premiums to a Focus plan for Utmost Worldwide, Singapore Branch.	Singapore (SG)	Utmost Worldwide	Focus - Singapore	FOS	This document outlines the advantages of adding single premiums to a Focus plan for Utmost Worldwide, Singapore Branch. Tax and regulatory Literature/technical sales aids and literature Focus Single Premium Top-Up UWWS \| 25152
Lifestyle Trust – Options at Vesting Date	Lifestyle Trust – Options at Vesting Date	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific		Lifestyle Trust – Options at Vesting Date Tax and regulatory Literature/technical sales aids and literature Lifestyle Trust – Options at Vesting Date UWSQ PR \| 25104
Lifestyle Trust Client Brochure	This brochure helps explain how the Lifestyle Trust can be used for inheritance tax planning with either an Utmost International Isle of Man Limited or Utmost PanEurope dac bond.	Middle East, Rest of the World, United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This brochure helps explain how the Lifestyle Trust can be used for inheritance tax planning with either an Utmost International Isle of Man Limited or Utmost PanEurope dac bond. Tax and regulatory Literature/technical sales aids and literature Lifestyle Trust Client Brochure UWSQ PR \| 25096
Lifestyle Trust Adviser Brochure	This brochure describes how a Lifestyle Trust can provide tax-efficient benefits for your clients and those they care about.	Europe Expat, Middle East, Rest of the World, Singapore (SG), United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This brochure describes how a Lifestyle Trust can provide tax-efficient benefits for your clients and those they care about. Tax and regulatory Literature/technical sales aids and literature Lifestyle Trust Adviser Brochure UWSQ PR \| 25093
The Real Benefit of Gross Roll-Up	This document is directed at professional advisers and shows how international bonds benefit from gross roll-up.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This document is directed at professional advisers and shows how international bonds benefit from gross roll-up. Tax and regulatory Literature/technical sales aids and literature The Real Benefit of Gross Roll-Up UWSQ PR \| 20017
The Super Six – Tax Benefits of a Portfolio Bond for UK Expatriates	This document provides a high-level summary of some of the key UK taxation benefits which an offshore bond can provide to a UK expatriate investor.	Europe Expat, Middle East, Rest of the World, Singapore (SG)	Utmost Wealth Solutions	Non Product Specific	FOS	This document provides a high-level summary of some of the key UK taxation benefits which an offshore bond can provide to a UK expatriate investor. Tax and regulatory Literature/technical sales aids and literature The Super Six – Tax Benefits of a Portfolio Bond for UK Expatriates UWSQ PR \| 18985
Tax Information for Irish Residents	This document provides a high-level summary of the tax that applies to a life or redemption bond issued by a UK, Isle of Man or Ireland Insurer when held by a policyholder who becomes resident in Ireland.	Europe Expat	Utmost Wealth Solutions	Non Product Specific		This document provides a high-level summary of the tax that applies to a life or redemption bond issued by a UK, Isle of Man or Ireland Insurer when held by a policyholder who becomes resident in Ireland. Tax and regulatory Literature/technical sales aids and literature Tax Information for Irish Residents UWSQ PR \| 13464
How to Complete the Second Schedule	Sales aid explaining how the Second Schedule of the Lifestyle Trust Deed should be completed.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	Sales aid explaining how the Second Schedule of the Lifestyle Trust Deed should be completed. Tax and regulatory Literature/technical sales aids and literature How to Complete the Second Schedule UWSQ PR \| 13050
Authorised Custodian Model Guide – Singapore	A guide to help you understand our Authorised Custodian Model.	Singapore (SG)	Utmost Wealth Solutions	Non Product Specific		A guide to help you understand our Authorised Custodian Model. Tax and regulatory Literature/technical sales aids and literature Authorised Custodian Model Guide – Singapore UWSQ PR \| 11367
Stockbroker and custody charges	This sales aid shows the stockbroker and custody charges that may apply on Portfolio Bonds.		Utmost Wealth Solutions	Non Product Specific	FOS	This sales aid shows the stockbroker and custody charges that may apply on Portfolio Bonds. Tax and regulatory Literature/technical sales aids and literature Stockbroker and custody charges UWSQ PR \| 11251
Qualifying Non-UK Pension Scheme Brochure – for a Flexible Future	This brochure provides information about overseas pension schemes that comply with Qualifying Non-UK Pension Scheme rules.	Europe Expat, Middle East, Rest of the World, Singapore (SG), United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This brochure provides information about overseas pension schemes that comply with Qualifying Non-UK Pension Scheme rules. Tax and regulatory Literature/technical sales aids and literature Qualifying Non-UK Pension Scheme Brochure – for a Flexible Future UWSQ PR \| 08077
Technical Sales Briefing – Order of Gifts	This briefing looks at various issues and scenarios around the order of making gifts and attempts to explain what steps can be taken to help ensure the most beneficial result for all.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This briefing looks at various issues and scenarios around the order of making gifts and attempts to explain what steps can be taken to help ensure the most beneficial result for all. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Order of Gifts UWS PR 0193
Technical Sales Briefing – Finance Act 2006 and Interest in Possession (IIP) Trusts	Technical Sales Briefing on the Finance Act 2006 and Interest in Possession (IIP) Trusts	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific		Technical Sales Briefing on the Finance Act 2006 and Interest in Possession (IIP) Trusts Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Finance Act 2006 and Interest in Possession (IIP) Trusts UWS PR 0139
Technical Sales Briefing – Personal Representatives and the Payment of Tax on Death	This Technical Sales Briefing looks at the income tax position on the death of a policy owner and the role of the PRs and includes comment on how single premium bonds can be set up to provide planning opportunities to manage the incidence of chargeable events.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific		This Technical Sales Briefing looks at the income tax position on the death of a policy owner and the role of the PRs and includes comment on how single premium bonds can be set up to provide planning opportunities to manage the incidence of chargeable events. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Personal Representatives and the Payment of Tax on Death UWS PR 0066
Inheritance Tax Liability and the Statutory Residence Test	This guide explains Domicile, Remittance Basis and Excluded Property Trust.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This guide explains Domicile, Remittance Basis and Excluded Property Trust. Tax and regulatory Literature/technical sales aids and literature Inheritance Tax Liability and the Statutory Residence Test UWS PR 0105
Technical Sales Briefing – International Investment Bonds and VAT Exempt DFM Service for Ireland	This Technical Sales Briefing has been designed to explain the background to the publication of the Irish Revenue, including the differences in the two tax codes and the effect of this guidance on both conventional international investment bonds and bonds.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific		This Technical Sales Briefing has been designed to explain the background to the publication of the Irish Revenue, including the differences in the two tax codes and the effect of this guidance on both conventional international investment bonds and bonds. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – International Investment Bonds and VAT Exempt DFM Service for Ireland UWS PR 0046
Residence Nil Rate Band (RNRB) Quick Guide – Infographic	This guide contain references to the appropriate page numbers from our technical briefing on RNRB.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This guide contain references to the appropriate page numbers from our technical briefing on RNRB. Tax and regulatory Literature/technical sales aids and literature Residence Nil Rate Band (RNRB) Quick Guide – Infographic UWS PR 0036
Technical Sales Briefing – Trust Registration Service	This document details change to the UK Trust Registration Service (TRS)	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This document details change to the UK Trust Registration Service (TRS) Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Trust Registration Service UWS PR 00282
UK Onshore and Overseas Comparison – Technical Sales Briefing	This document offers a comparison between UK Offshore and Overseas.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This document offers a comparison between UK Offshore and Overseas. Tax and regulatory Literature/technical sales aids and literature UK Onshore and Overseas Comparison – Technical Sales Briefing UWS PR 00277
Overseas Insurance Bonds as Trust Investments	This briefing document looks at why bonds issued from overseas insurers can be a highly effective investment vehicle for a UK resident trust.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This briefing document looks at why bonds issued from overseas insurers can be a highly effective investment vehicle for a UK resident trust. Tax and regulatory Literature/technical sales aids and literature Overseas Insurance Bonds as Trust Investments UWS \| 05097
Tax Declaration and Self-Certification for Trusts	For Use with Utmost Worldwide, Utmost PanEurope and Utmost International Isle of Man products. You have been asked to complete this form in order that we can accurately report your policy under the relevant tax information exchange agreements, including Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) regulations. This form should be used for trusts where all the trustees are all individuals. It should be completed by one trustee on behalf of the trust.	Not country specific	Utmost Wealth Solutions	Non Product Specific	FOS	For Use with Utmost Worldwide, Utmost PanEurope and Utmost International Isle of Man products. You have been asked to complete this form in order that we can accurately report your policy under the relevant tax information exchange agreements, including Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) regulations. This form should be used for trusts where all the trustees are all individuals. It should be completed by one trustee on behalf of the trust. Tax and regulatory Literature/technical sales aids and literature Tax Declaration and Self-Certification for Trusts UTSQ PR \| 20885
Tax Benefits of the Spanish Collective Investment Bond Guide	This guide details the benefits of investing in a Spanish compliant policy, such as the Spanish Collective Investment Bond for your expat clients living in Spain, rather than a non-compliant policy.	Spain (ES)	Utmost PanEurope	Spanish Collective Investment Bond	FOS	This guide details the benefits of investing in a Spanish compliant policy, such as the Spanish Collective Investment Bond for your expat clients living in Spain, rather than a non-compliant policy. Tax and regulatory Literature/technical sales aids and literature Tax Benefits of the Spanish Collective Investment Bond Guide UPEQ PR \| 18741
European Executive Investment Bond at a glance	This at a glance document highlights the main features of the European Executive Investment Bond.	Malta (MT)	Utmost PanEurope	European Executive Investment Bond – PRIIPs	FOS	This at a glance document highlights the main features of the European Executive Investment Bond. Tax and regulatory Literature/technical sales aids and literature European Executive Investment Bond at a glance UPEQ PR \| 09349
Tax and Other Important Information for Gibraltar	This document provides the policyholder with important information before investing in the European Executive Investment Bond, European Collective Investment Bond or the European Capital Account provided by Utmost PanEurope dac.	Europe Expat	Utmost PanEurope	European Executive Investment Bond – PRIIPs	FOS	This document provides the policyholder with important information before investing in the European Executive Investment Bond, European Collective Investment Bond or the European Capital Account provided by Utmost PanEurope dac. Tax and regulatory Literature/technical sales aids and literature Tax and Other Important Information for Gibraltar UPEQ PR \| 08891
Tax and Other Important Information for Malta (for Malta Based Trustees Only)	This document provides the policyholder with important information before investing in the European Executive Investment Bond – PRIIPs or the European Collective Investment Bond – PRIIPs provided by Utmost PanEurope dac. Currently, we will only accept applications from Malta based trustees not Maltese resident individuals.	Malta (MT)	Utmost PanEurope	European Executive Investment Bond – PRIIPs, Non Product Specific	FOS	This document provides the policyholder with important information before investing in the European Executive Investment Bond – PRIIPs or the European Collective Investment Bond – PRIIPs provided by Utmost PanEurope dac. Currently, we will only accept applications from Malta based trustees not Maltese resident individuals. Tax and regulatory Literature/technical sales aids and literature Tax and Other Important Information for Malta (for Malta Based Trustees Only) UPEQ PR \| 08492
Tax and Other Important Information Guide for Cyprus	This document provides the applicant with important information before investing in the European Executive Investment Bond and the European Collective Investment Bond provided by Quilter International Ireland dac.	Europe Expat	Utmost PanEurope	European Executive Investment Bond – PRIIPs	FOS	This document provides the applicant with important information before investing in the European Executive Investment Bond and the European Collective Investment Bond provided by Quilter International Ireland dac. Tax and regulatory Literature/technical sales aids and literature Tax and Other Important Information Guide for Cyprus UPEQ PR \| 05716
Tax and Other Information Guide for Residents of the European Economic Area	This document is designed for habitual residents of EEA countries (EU countries plus Iceland, Norway and Liechtenstein). Please refer to our other country specific documents, which are available on our website.	Europe Expat, Malta (MT)	Utmost PanEurope	European Executive Investment Bond – PRIIPs	FOS	This document is designed for habitual residents of EEA countries (EU countries plus Iceland, Norway and Liechtenstein). Please refer to our other country specific documents, which are available on our website. Tax and regulatory Literature/technical sales aids and literature Tax and Other Information Guide for Residents of the European Economic Area UPEQ PR \| 03378
Private Wealth Portfolio – How to minimise foreign tax on dividend income	A sales aid to explain tax relief at source on foreign withholding tax.	Italy (IT), Portugal (PT), Spain (ES), United Kingdom (UK)	Utmost PanEurope	Private Wealth Portfolio - Italy, Private Wealth Portfolio - Portugal, Private Wealth Portfolio - Spain, Private Wealth Portfolio - UK, Private Wealth Portfolio (PWP) France		A sales aid to explain tax relief at source on foreign withholding tax. Tax and regulatory Literature/technical sales aids and literature Private Wealth Portfolio – How to minimise foreign tax on dividend income UPE PR 12746
Démembrée clause EN	Clause Beneficiaire demembree avec quasi usufruit	France (FR)	Utmost PanEurope	Apex (France), Private Wealth Portfolio (PWP) France	FOS	Clause Beneficiaire demembree avec quasi usufruit Tax and regulatory Literature/technical sales aids and literature Démembrée clause EN UPE PR 12433
Technical Sales Briefing – Trustee Delegation	This briefing is designed to explain how some of the duties and powers of trustees can be delegated to other people	United Kingdom (UK)	Utmost PanEurope	Non Product Specific		This briefing is designed to explain how some of the duties and powers of trustees can be delegated to other people Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Trustee Delegation UPE PR 12427
PWP Italy Additional Pre-contractual Information Document (DIP)	N/A	Italy (IT)	Utmost PanEurope	Private Wealth Portfolio - Italy	FOS	N/A Tax and regulatory Literature/technical sales aids and literature PWP Italy Additional Pre-contractual Information Document (DIP) UPE PR 00200
Utmost PanEurope Investor Protection Brochure	This guide describes certain aspects of the legal and regulatory framework applicable to Utmost PanEurope dac in Ireland, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency.	United Kingdom (UK)	Utmost PanEurope	Non Product Specific	FOS	This guide describes certain aspects of the legal and regulatory framework applicable to Utmost PanEurope dac in Ireland, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency. Tax and regulatory Literature/technical sales aids and literature Utmost PanEurope Investor Protection Brochure UPE PR 00128
Single Pre-Contractual Form (MUP) for Insurance Investment Products	Tax and regulatory Literature/technical sales aids and literature Single Pre-Contractual Form (MUP) for Insurance Investment Products ULU PR 00040	Italy (IT)	Utmost Luxembourg S.A	Private Client Insurance	FOE FOS	Tax and regulatory Literature/technical sales aids and literature Single Pre-Contractual Form (MUP) for Insurance Investment Products ULU PR 00040
Questions and Answers – Deemed Gains Tax on your Executive Bond	This Q and A document explains deemed gains tax on an Executive Bond.	Middle East, United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	This Q and A document explains deemed gains tax on an Executive Bond. Tax and regulatory Literature/technical sales aids and literature Questions and Answers – Deemed Gains Tax on your Executive Bond ULQ PR \| 20611
Solutions for Structured Wealth Planning Brochure	This document can be used for people looking to grow, preserve and transfer their wealth to the next generation.	Middle East, Rest of the World	Utmost International - IoM	Non Product Specific	FOS	This document can be used for people looking to grow, preserve and transfer their wealth to the next generation. Tax and regulatory Literature/technical sales aids and literature Solutions for Structured Wealth Planning Brochure ULQ PR \| 19922
Deemed Gains Tax on your Executive Bond if you are planning to become UK Resident and/or UK Tax Resident	This Q and A document explains deemed gains tax on an Utmost International Isle of ManExecutive Bond for individuals planning to become UK resident and/or UK tax resident.	Middle East	Utmost International - IoM	Non Product Specific	FOS	This Q and A document explains deemed gains tax on an Utmost International Isle of ManExecutive Bond for individuals planning to become UK resident and/or UK tax resident. Tax and regulatory Literature/technical sales aids and literature Deemed Gains Tax on your Executive Bond if you are planning to become UK Resident and/or UK Tax Resident ULQ PR \| 20507
International Investment Bond At a Glance	This document provides an overview of the International Investment Bond.	Middle East	Utmost International - IoM	International Investment Bond Redemption – ME	FOS	This document provides an overview of the International Investment Bond. Tax and regulatory Literature/technical sales aids and literature International Investment Bond At a Glance ULQ PR \| 19586
The Importance of Trust Planning for Families Case Study	This example case study is for use in Hong Kong and Singapore only and should be used by financial advisers and financial adviser representatives with their clients.	Singapore (SG)	Utmost International - IoM	Non Product Specific		This example case study is for use in Hong Kong and Singapore only and should be used by financial advisers and financial adviser representatives with their clients. Tax and regulatory Literature/technical sales aids and literature The Importance of Trust Planning for Families Case Study ULQ PR \| 19514
The Importance of Trust Planning for Families Case Study	This example case study is for use in Hong Kong and Singapore only and should be used by financial advisers and financial adviser representatives with their clients.	Singapore (SG)	Utmost International - IoM	Non Product Specific		This example case study is for use in Hong Kong and Singapore only and should be used by financial advisers and financial adviser representatives with their clients. Tax and regulatory Literature/technical sales aids and literature The Importance of Trust Planning for Families Case Study ULQ PR \| 19464
The Lucky Eight Sales Aid (EN)	This document highlights 8 key benefits for China tax residents using investment-linked life insurance policies.	Singapore (SG)	Utmost International - IoM	Non Product Specific	FOS	This document highlights 8 key benefits for China tax residents using investment-linked life insurance policies. Tax and regulatory Literature/technical sales aids and literature The Lucky Eight Sales Aid (EN) ULQ PR \| 19417
Succession Planning for China Tax Residents (EN)	This guide provides information on the succession planning options and tax position of your clients who own an Utmost International investment-linked life insurance policy and are already or will become tax residents of China.	Singapore (SG)	Utmost International - IoM	Non Product Specific	FOS	This guide provides information on the succession planning options and tax position of your clients who own an Utmost International investment-linked life insurance policy and are already or will become tax residents of China. Tax and regulatory Literature/technical sales aids and literature Succession Planning for China Tax Residents (EN) ULQ PR \| 19126
Efficiently and Effectively Passing on your Wealth Case Study	This sales aid explores the main differences between the benefits of investing in a Utmost International Isle of Man portfolio bond with nominations as opposed to writing a will.	Singapore (SG)	Utmost International - IoM	Non Product Specific		This sales aid explores the main differences between the benefits of investing in a Utmost International Isle of Man portfolio bond with nominations as opposed to writing a will. Tax and regulatory Literature/technical sales aids and literature Efficiently and Effectively Passing on your Wealth Case Study ULQ PR \| 18838
Tailored Life Trust Cumulative Chargeable Lifetime Transfer Examples	The document is a sales aid and provides financial advisers with Tailored Life Trust Cumulative chargeable lifetime transfer examples.	Middle East, Singapore (SG)	Utmost International - IoM	Non Product Specific	FOS	The document is a sales aid and provides financial advisers with Tailored Life Trust Cumulative chargeable lifetime transfer examples. Tax and regulatory Literature/technical sales aids and literature Tailored Life Trust Cumulative Chargeable Lifetime Transfer Examples ULQ PR \| 18521
Executive Investment Account Reasons Why Document	This document suggests some of the ‘reasons why’ to invest in this product that you may wish to incorporate within your recommendation letters for your clients.	Singapore (SG), United Kingdom (UK)	Utmost International - IoM	Executive Investment Account		This document suggests some of the ‘reasons why’ to invest in this product that you may wish to incorporate within your recommendation letters for your clients. Tax and regulatory Literature/technical sales aids and literature Executive Investment Account Reasons Why Document ULQ PR \| 14529
Taxation of an Offshore Life Assurance Policy for your Non-Israeli Resident Clients Moving or Returning to Israel	An explanation of the taxation of an offshore life assurance policy for your non-Israeli resident clients moving or returning to Israel.	Europe Expat, Rest of the World, United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	An explanation of the taxation of an offshore life assurance policy for your non-Israeli resident clients moving or returning to Israel. Tax and regulatory Literature/technical sales aids and literature Taxation of an Offshore Life Assurance Policy for your Non-Israeli Resident Clients Moving or Returning to Israel ULQ PR \| 12851
Taxation of an Offshore Life Assurance Policy for your UK Resident Israeli Clients, Moving or Returning to Israel	This document provides an explanation of the taxation of an offshore life assurance policy for your UK resident Israeli clients, moving or returning to Israel.	United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	This document provides an explanation of the taxation of an offshore life assurance policy for your UK resident Israeli clients, moving or returning to Israel. Tax and regulatory Literature/technical sales aids and literature Taxation of an Offshore Life Assurance Policy for your UK Resident Israeli Clients, Moving or Returning to Israel ULQ PR \| 12850
Taxation of an Offshore Life Assurance Policy Purchased Outside of Israel by an Israeli Resident	This document provides an explanation of the taxation of an offshore Utmost International Isle of Man Limited life assurance policy purchased outside of Israel by an Israeli resident.	Europe Expat, Rest of the World, Singapore (SG), United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	This document provides an explanation of the taxation of an offshore Utmost International Isle of Man Limited life assurance policy purchased outside of Israel by an Israeli resident. Tax and regulatory Literature/technical sales aids and literature Taxation of an Offshore Life Assurance Policy Purchased Outside of Israel by an Israeli Resident ULQ PR \| 12849
Non-Resident Indian Estate Planning	A client-facing guide to using an Utmost International Isle of Man offshore bond for estate planning for non-resident Indian investors.	Europe Expat, Middle East, Rest of the World, Singapore (SG), United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	A client-facing guide to using an Utmost International Isle of Man offshore bond for estate planning for non-resident Indian investors. Tax and regulatory Literature/technical sales aids and literature Non-Resident Indian Estate Planning ULQ PR \| 12517
Education sales aid	Sales aid about the cost of a child’s education	Middle East	Utmost International - IoM	Non Product Specific		Sales aid about the cost of a child’s education Tax and regulatory Literature/technical sales aids and literature Education sales aid ULQ PR \| 11824
Silk Concept Sheet – Privacy Protection (Singapore – English)	Sales aid in English with information about privacy protection with the Silk Life Plan.	Singapore (SG)	Utmost International - IoM	Silk Life Plan (Life Cover only), Silk Life Plan (Life Cover Plus)		Sales aid in English with information about privacy protection with the Silk Life Plan. Tax and regulatory Literature/technical sales aids and literature Silk Concept Sheet – Privacy Protection (Singapore – English) ULQ PR \| 09910
Silk Concept Sheet – Legacy Planning (Singapore) (English)	Legacy planning with the Silk Life Plan. Sales aid in English.	Singapore (SG)	Utmost International - IoM	Silk Life Plan (Life Cover only), Silk Life Plan (Life Cover Plus)		Legacy planning with the Silk Life Plan. Sales aid in English. Tax and regulatory Literature/technical sales aids and literature Silk Concept Sheet – Legacy Planning (Singapore) (English) ULQ PR \| 09909
Silk Concept Sheet – Business Continuation Buy/Sell (Singapore – English)	Business continuation buy/sell sales aid. English version.	Singapore (SG)	Utmost International - IoM	Silk Life Plan (Life Cover only), Silk Life Plan (Life Cover Plus)		Business continuation buy/sell sales aid. English version. Tax and regulatory Literature/technical sales aids and literature Silk Concept Sheet – Business Continuation Buy/Sell (Singapore – English) ULQ PR \| 09905
Executive Bond – at a Glance – Redemption Version	This at a glance document highlights the main features of the Executive Redemption Bond.	Middle East	Utmost International - IoM	Executive Investment Bond	FOS	This at a glance document highlights the main features of the Executive Redemption Bond. Tax and regulatory Literature/technical sales aids and literature Executive Bond – at a Glance – Redemption Version ULQ PR \| 07694
Executive Bond – at a Glance – Life Assurance Version	This at a glance document highlights the main features of the Executive Investment Bond – life assurance version.	Middle East	Utmost International - IoM	Executive Investment Bond	FOS	This at a glance document highlights the main features of the Executive Investment Bond – life assurance version. Tax and regulatory Literature/technical sales aids and literature Executive Bond – at a Glance – Life Assurance Version ULQ PR \| 07693
The components of an Estate Planning Bond	The Estate Planning Bond is a combination of a trust and a capital redemption bond. It is structured in a way that can immediately reduce the transfer of value for IHT purposes and provide a tax deferred income from outset.This document explains how the main components of the bond can achieve this.	United Kingdom (UK)	Utmost International - IoM	Estate Planning Bond	FOS	The Estate Planning Bond is a combination of a trust and a capital redemption bond. It is structured in a way that can immediately reduce the transfer of value for IHT purposes and provide a tax deferred income from outset.This document explains how the main components of the bond can achieve this. Tax and regulatory Literature/technical sales aids and literature The components of an Estate Planning Bond UL PR 0274
UWS Technical Sales Briefing – The Residence Nil Rate Band	Technical briefing looking at the Residence Nil Rate Band and IHT planning – TSB.	United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	Technical briefing looking at the Residence Nil Rate Band and IHT planning – TSB. Tax and regulatory Literature/technical sales aids and literature UWS Technical Sales Briefing – The Residence Nil Rate Band UL PR 0148
Technical Sales Briefing – Corporate Investment into Offshore Bonds	Technical briefing looking at corporate investments into international bonds – TSB	United Kingdom (UK)	Utmost International - IoM	Non Product Specific		Technical briefing looking at corporate investments into international bonds – TSB Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Corporate Investment into Offshore Bonds UL PR 0043
Tailored Life Plan At A Glance	This document provides a summary of the Tailored Life Plan. The Tailored Life Plan is a single premium, whole of life investment-linked life assurance policy designed for High Net Worth individuals. It provides a high level of life protection for the lifetime of the relevant life assured as well as the flexibility to meet their ever-changing wealth management needs.	Middle East	Utmost International - IoM	Tailored Life Plan (TLP)	FOS	This document provides a summary of the Tailored Life Plan. The Tailored Life Plan is a single premium, whole of life investment-linked life assurance policy designed for High Net Worth individuals. It provides a high level of life protection for the lifetime of the relevant life assured as well as the flexibility to meet their ever-changing wealth management needs. Tax and regulatory Literature/technical sales aids and literature Tailored Life Plan At A Glance UL PR 00415
Technical Sales Briefing – Deficiency relief	Technical Sales Briefing – A technical briefing looking at Deficiency relief, how it is calculated and its effect on international bonds -TSB	United Kingdom (UK)	Utmost International - IoM	Non Product Specific		Technical Sales Briefing – A technical briefing looking at Deficiency relief, how it is calculated and its effect on international bonds -TSB Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Deficiency relief UL PR 0040
Technical Sales Briefing – Tax Planning Using Bonds: ‘One-off Withdrawals’	Technical briefing looking at offshore bond and one-off withdrawals – TSB	United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	Technical briefing looking at offshore bond and one-off withdrawals – TSB Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Tax Planning Using Bonds: ‘One-off Withdrawals’ UL PR 0037
UIIOM Strength and Stability Brochure (Investor Protection)	UIIOM Strength and Stability Brochure (Investor Protection – Intermediary version)	Hong Kong (HK), Rest of the World, United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	UIIOM Strength and Stability Brochure (Investor Protection – Intermediary version) Tax and regulatory Literature/technical sales aids and literature UIIOM Strength and Stability Brochure (Investor Protection) UL PR 00364
Technical Sales Briefing – Tax Planning Using Bonds – Additional Investments	This technical briefing is part of a series intended to shine a light on various areas of overseas single premium bond taxation from the point of view of a UK resident investor.	United Kingdom (UK)	Utmost International - IoM	Non Product Specific	FOS	This technical briefing is part of a series intended to shine a light on various areas of overseas single premium bond taxation from the point of view of a UK resident investor. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Tax Planning Using Bonds – Additional Investments UL PR 0036
Technical Sales Briefing – Utmost International Isle of Man Limited Bank Assignments	This technical briefing has been designed to provide clarity with respect to bank ‘assignments’ and the processes we follow at Utmost International Isle of Man Limited	United Kingdom (UK)	Utmost International - IoM	Non Product Specific		This technical briefing has been designed to provide clarity with respect to bank ‘assignments’ and the processes we follow at Utmost International Isle of Man Limited Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Utmost International Isle of Man Limited Bank Assignments UL PR 0032
Technical Sales Briefing – Assignment of Bond to DGT and IHT Planning	This Technical Sales Briefing looks at an area of overseas single premium bond taxation from the point of view of a UK resident investor.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This Technical Sales Briefing looks at an area of overseas single premium bond taxation from the point of view of a UK resident investor. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Assignment of Bond to DGT and IHT Planning UL PR 00318
Technical Sales Briefing – Danger of Using Partial Surrenders	Technical Sales Briefing – Danger of using partial surrenders – TSB	United Kingdom (UK)	Utmost International - IoM	Non Product Specific		Technical Sales Briefing – Danger of using partial surrenders – TSB Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Danger of Using Partial Surrenders UL PR 0030
Generation Planning Bond at a Glance	A brief overview of Utmost PanEurope dac’s Generation Planning Bond.	United Kingdom (UK)	Utmost PanEurope	Generation Planning Bond	FOS	A brief overview of Utmost PanEurope dac’s Generation Planning Bond. Tax and regulatory Literature/technical sales aids and literature Generation Planning Bond at a Glance UI PR 0081
Generation Planning Bond Suitability Paragraphs	These Utmost PanEurope dac’s Generation Planning Bond suitability sample paragraphs and their content are for your information and consideration only.	United Kingdom (UK)	Utmost PanEurope	Generation Planning Bond	FOS	These Utmost PanEurope dac’s Generation Planning Bond suitability sample paragraphs and their content are for your information and consideration only. Tax and regulatory Literature/technical sales aids and literature Generation Planning Bond Suitability Paragraphs UI PR 0065
Legal Entity Identifier Notice – Utmost PanEurope dac	Legal Entity Identifier Notice – Utmost PanEurope dac.	United Kingdom (UK)	Utmost PanEurope	Non Product Specific		Legal Entity Identifier Notice – Utmost PanEurope dac. Tax and regulatory Literature/technical sales aids and literature Legal Entity Identifier Notice – Utmost PanEurope dac UI PR 0031
Evolution Suitability Paragraphs	This document details the various bonds available within our Evolution product and what each one is suitable for	United Kingdom (UK)	Utmost International - IoM	Evolution	FOS	This document details the various bonds available within our Evolution product and what each one is suitable for Tax and regulatory Literature/technical sales aids and literature Evolution Suitability Paragraphs IOM PR 0056
Estate Planning Bond Suitability Paragraphs	This document details the various bonds available within the Estate Planning bond and what each one is suitable for.	United Kingdom (UK)	Utmost International - IoM	Estate Planning Bond	FOS	This document details the various bonds available within the Estate Planning bond and what each one is suitable for. Tax and regulatory Literature/technical sales aids and literature Estate Planning Bond Suitability Paragraphs IOM PR 0055
Technical Sales Briefing – Why Use a Capital Redemption Bond?	This document details the benefits of a Capital Redemption Bond.	United Kingdom (UK)	Utmost Wealth Solutions	Delegation, Estate Planning Bond, Evolution, Selection	FOS	This document details the benefits of a Capital Redemption Bond. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Why Use a Capital Redemption Bond? IOM PR 0002
International Portfolio Bonds at a glance – client infographic	The key Benefits of International Bonds.	United Kingdom (UK)	Utmost Wealth Solutions	Delegation, Estate Planning Bond, Evolution, Selection		The key Benefits of International Bonds. Tax and regulatory Literature/technical sales aids and literature International Portfolio Bonds at a glance – client infographic AWI PR 0153
UIIOM Investor Protection Brochure	This guide describes certain aspects of the legal and regulatory framework applicable to Utmost International Isle of Man Limited, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This guide describes certain aspects of the legal and regulatory framework applicable to Utmost International Isle of Man Limited, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency. Tax and regulatory Literature/technical sales aids and literature UIIOM Investor Protection Brochure AWI PR 0032
Utmost Wealth Solutions Loan Trust Guide	This guide focuses on some of the common benefits and issues associated with the use of the Loan Trust together with an investment bond.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This guide focuses on some of the common benefits and issues associated with the use of the Loan Trust together with an investment bond. Tax and regulatory Literature/technical sales aids and literature Utmost Wealth Solutions Loan Trust Guide AWI PR 0031
UWS Loan Trust – A FAQ for Financial Advisers	This is a technical FAQ document about loan trusts for financial advisers.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This is a technical FAQ document about loan trusts for financial advisers. Tax and regulatory Literature/technical sales aids and literature UWS Loan Trust – A FAQ for Financial Advisers AWI PR 0030
Technical Sales Briefing – Cash Forecasting – Making Bond Cash Management Easier	This document explains the process for Utmost International Isle of Man Limited’s Evolution and Estate Planning Bond and Utmost PanEurope dac’s Selection, Delegation and Generation Planning Bond.	United Kingdom (UK)	Utmost Wealth Solutions	Delegation, Estate Planning Bond, Evolution, Generation Planning Bond, Non Product Specific, Selection	FOS	This document explains the process for Utmost International Isle of Man Limited’s Evolution and Estate Planning Bond and Utmost PanEurope dac’s Selection, Delegation and Generation Planning Bond. Tax and regulatory Literature/technical sales aids and literature Technical Sales Briefing – Cash Forecasting – Making Bond Cash Management Easier AWI PR 0028
Adviser Charge Summary	This is a guide to the terminology we use when it comes to adviser charging.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This is a guide to the terminology we use when it comes to adviser charging. Tax and regulatory Literature/technical sales aids and literature Adviser Charge Summary AWI PR 0029
Estate Planning Bond at a glance	This document gives a brief overview of the features of Estate Planning Bond.	United Kingdom (UK)	Utmost International - IoM	Estate Planning Bond		This document gives a brief overview of the features of Estate Planning Bond. Tax and regulatory Literature/technical sales aids and literature Estate Planning Bond at a glance AWI PR 0021
UIIOM Evolution at a Glance	This document gives a brief overview of the features of Evolution.	United Kingdom (UK)	Utmost International - IoM	Evolution		This document gives a brief overview of the features of Evolution. Tax and regulatory Literature/technical sales aids and literature UIIOM Evolution at a Glance AWI PR 0020
Utmost Wealth Solutions Guide to Trusts	This guide focuses on some of the issues that may arise when using an Utmost Wealth Solutions trust together with an investment bond.	United Kingdom (UK)	Utmost Wealth Solutions	Non Product Specific	FOS	This guide focuses on some of the issues that may arise when using an Utmost Wealth Solutions trust together with an investment bond. Tax and regulatory Literature/technical sales aids and literature Utmost Wealth Solutions Guide to Trusts AWI PR 0019
How can we help your client now, and in the future?	Infographic for Utmost International Isle of Man Limited and Utmost PanEurope dac UK products.	United Kingdom (UK)	Utmost Wealth Solutions	Delegation, Estate Planning Bond, Evolution, Generation Planning Bond, Selection	FOS	Infographic for Utmost International Isle of Man Limited and Utmost PanEurope dac UK products. Tax and regulatory Literature/technical sales aids and literature How can we help your client now, and in the future? AWI PR 0002
Selection at a Glance	This is an infographic with information about the Selection bond.	United Kingdom (UK)	Utmost PanEurope	Selection	FOS	This is an infographic with information about the Selection bond. Tax and regulatory Literature/technical sales aids and literature Selection at a Glance ALE PR 0041
Delegation at a Glance	This infographic highlights some of the key features of Utmost PanEurope dac’s Delegation bond.	United Kingdom (UK)	Utmost PanEurope	Delegation	FOS	This infographic highlights some of the key features of Utmost PanEurope dac’s Delegation bond. Tax and regulatory Literature/technical sales aids and literature Delegation at a Glance ALE PR 0040
Delegation suitability paragraphs	These sample paragraphs and their content are for your information and consideration only.	United Kingdom (UK)	Utmost PanEurope	Delegation		These sample paragraphs and their content are for your information and consideration only. Tax and regulatory Literature/technical sales aids and literature Delegation suitability paragraphs ALE PR 0008

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