Our Solutions – Finland
Our Solutions
Utmost Wealth Solutions provides insurance-based solutions to high net worth clients who want to sustain and pass on their wealth. Life insurance is a robust and proven solution to assist in financial planning, enabling clients to pass on their wealth in a controlled manner.
Wealth solutions is our core business. We employ focus, scale and technical expertise to safeguard our clients’ wealth.
We provide a range of investment options to residents in Finland.
Finland is a mature insurance market, with a strong preference for transparency, legal certainty and long-term planning. Finnish clients – particularly entrepreneurs, executives and high-net-worth families – typically seek solutions that combine flexibility, cross-border portability and efficient wealth transfer. These needs are well addressed through our Luxembourg or Irish-issued life insurance solutions.
Our policies provide a flexible, secure and tax-efficient vehicle for long-term wealth management. They are particularly suited for those seeking access to a wider investment universe, portability and succession planning benefits – all within a regulated and transparent framework.
Wealth Portfolio
Wealth Portfolio is a single premium unit-linked plan available to individuals in Finland and corporates registered in Finland. It is designed for clients with a medium to long term time horizon who want to preserve, grow, or transmit their capital and seek a sophisticated investment solution with a wide range of investment options.
Investors can choose to self-manage their plan portfolio and make all of the investment decisions or nominate a discretionary fund manager to manage the plan portfolio on their behalf in line with their chosen investment strategy, or a mix of both.
Wealth Portfolio Finland also offers the choice of a life insurance variant or a capital redemption variant, secure online servicing and the flexibility to pay premiums in different ways in a range of currencies.
The minimum investment depends on the applicable charging structure. For charging structures A – D, the minimum investment is €100,000, while the minimum for Charging Structure E is €500,000.
Depending on the charging structure applicable, there are some variations in the product. Please ensure you select the correct product guide below.
Download the Wealth Portfolio Product Guide for Charging Structures A – D (in Finnish) here
Download the Wealth Portfolio Product Guide for Charging Structure E (in Finnish) here
Future
The Future plan is a regular premium, unit-linked pension plan without guarantees. It is suitable for employers who want to provide their key employees with additional income at retirement.
Future can be set up for either an individual director or an employee, and it can be a useful way for an employer to provide additional, attractive employment benefits.
The employer (planholder) selects the premium payment term over which to pay regular premiums, ranging from a minimum of 10 years up to a maximum of the number of years until the pension commencement age.
Single premiums can also be paid into the plan at any time during the premium payment term.
Please download our brochure (in Finnish) here
Target
The Target plan is a regular premium, unit-linked, life insurance plan without guarantees. It is designed to help our clients to build up a lump sum by saving regularly over a medium to long term.
Private Client Portfolio, Capitalisation Bond and International Life Plan: Options and Benefits
Our Luxembourg offering provides a robust and internationally recognised framework for wealth structuring. We offer unit-linked insurance solutions for both individuals and companies, as well as a pure risk insurance. The unit-linked policy, be it a whole-of-life Private Client Portfolio or term Capitalisation Bond contract with no lives assured, enables open architecture and a broad investment universe. This flexibility allows clients to align the policy with their personal investment strategy – whether focused on capital growth, risk diversification or wealth preservation.
Our unit-linked policies offer tax deferral and are only taxed upon a partial or full surrender. The Private Client Portfolio also allows for the nomination of beneficiaries, in which case the policy will not form part of the client’s death estate, thus supporting efficient succession planning. The policy can further be pledged.
For inheritance and protection planning, our pure risk insurance – the International Life Plan – offers level, regular and guaranteed premiums for the full term of the policy. It can be used effectively in scenarios such as inheritance tax planning and key man risk.
The policy is also fully portable to multiple jurisdictions, adapting to the client’s changing circumstances. Administrative simplicity and consolidated reporting add further value for clients with complex wealth planning needs.
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Benefits of Utmost Wealth Solutions
In Finland, policies are issued through our Irish or Luxembourgish-based life companies, leveraging the tax efficient and robust regulatory frameworks, established industry expertise and strong policyholder protection regimes in both jurisdictions.
Customer support
If you have a query about an existing policy, please contact our customer support team.
Online Service
To manage your policy online, log in to the online service centre.