Our Solutions – Middle East and Africa

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.
*Capital Redemption Bond (CRB) variant available in certain jurisdictions.

FOCUS: A MODERN APPROACH TO LONG-TERM SAVINGS
A regular contribution whole of life unit-linked assurance plan or a unit-linked capital redemption plan. Suitable for investors with a medium to long-term investment time horizon. Focus is designed as a partnership between you, your Financial Adviser and us. We provide you with a simple and easy-to-understand fee structure, a reward for maintaining your commitment (you commit to pay contributions for between 3 and 15 years) and access to low cost investment funds so that, together, we can focus on achieving your financial goals.
Key Features
- Can be written as either a life insurance plan (on a whole of life basis) or as a capital redemption plan (no life cover) with a fixed term of 99 years.
- Commitment Reward: you will receive up to 5% of regular contributions paid, if you meet your commitment to us.
FOCUS Int’l Life Product Technical Brochure
FOCUS Int’l CRB Product Technical Brochure
FOCUS Int’l Life Key Features Document
FOCUS Int’l CRB Key Features Document
FOCUS Int’l Life Terms and Conditions
FOCUS Int’l CRB Terms and Conditions
FOCUS Int’l Plan Investments Brochure – October 2022
FOCUS Int’l Plan Investments Overview – October 2022
FOCUS Int’l Plan Investments Performance (PIP) – October 2022

THE INTERNATIONAL INVESTMENT BOND – DESIGNING YOUR PORTFOLIO WITH CONFIDENCE
The International Investment Bond is an investment solution designed for clients investing over the medium to long-term.
The Bond can also provide estate-planning options to enable clients to pass on as much of their wealth as possible to their children and future generations. Clients can choose from a range of multi-asset portfolios, a self-select fund range or a choice of US Dollar denominated funds.
Clients’ applications for the International Investment Bond and subsequent management of their plan thereafter, is done through our secure Online Service Centre, Wealth Interactive.
Key Features:
- Suitable for lump sum investments of US$30,000/£20,000/ €30,000 with the option for additional lump sums.
- Take advantage of investment opportunities from many of the world’s leading fund managers.
- Stop, start, increase or decrease regular premiums with no penalty.
- Flexible access to capital, including an option to take regular withdrawals.
- Monitor performance and carry out transactions online through Wealth Interactive.
Download the International Investment Bond Brochure here
Download the International Investment Bond At-A-Glance Flyer here

THE EXECUTIVE BOND – GIVING YOU ULTIMATE INVESTMENT FREEDOM
The Executive Bond is a medium to long-term investment that can adapt as life unfolds. Clients can change assets, make payments and take withdrawals – whatever suits their evolving lifestyle.
This intelligently composed portfolio bond takes maximum advantage of offshore tax benefits. It gives the freedom to build wealth by investing in a wide range of assets with plenty of potential for capital growth. It can also provide estate-planning options to enable clients to pass on as much of their wealth as possible to their children.
Key Features:
- Available as a whole-of-life offshore bond (The Executive Investment Bond – Life) or a capital redemption contract with a 99-year fixed term (The Executive Redemption Bond).
- Suitable for lump sum investments of US$75,000 / €75,000 / £50,000 or more, with the option for additional lump sums.
- Take advantage of investment opportunities from many of the world’s leading fund managers and major stock exchanges.
- The investment can be used to generate a regular ‘income’.
- Flexible access to capital including an option to take regular withdrawals.
- Monitor performance and carry out transactions online through Wealth Interactive.
Download the Executive Bond Brochure here
Download the Executive Redemption Bond At-A-Glance Flyer here
Download the Executive Investment Bond Life At-A-Glance Flyer here

BENEFITS OF UTMOST WEALTH SOLUTIONS
Utmost Wealth Solution’s international operations operate through Utmost International in the Isle of Man and Utmost Worldwide in Guernsey, Channel Islands, jurisdictions that offer a safe home for investments, efficient tax planning opportunities and effective policyholder protection regimes that offer regulatory stability and investor protection.