Our Solutions – Portugal
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.
Private Wealth Portfolio: A Flexible Investment Approach
Private Wealth Portfolio is our market-leading proposition for high net worth clients in Portugal. It provides a single premium, whole of life, unit-linked insurance policy. Private Wealth Portfolio permits investments in a wide range of assets and clients can select multiple investment strategies that allow for choosing different levels of income. Clients have choice and control over when and where to take a withdrawal.
Private Wealth Portfolio is designed for investors who are resident in Portugal and who are looking for a solution which allows them to preserve, grow or transfer their capital.
The policy is suitable for lump sum investments of at least €500,000, with the option for additional contributions. The policy offers flexibility around estate planning.
Apex (Portugal): A solution designed for expatriates that puts you in control
Apex is a single premium life insurance policy specifically created for expatriates who are living and tax resident in Portugal and looking for a tax-efficient flexible solution. The Apex product offers additional functionality aimed at the needs of the expatriate client – to cover portability (including a return to the UK) and succession planning to cover beneficiaries in different countries. Apex offers an exceptional combination of investment choice, including the option of an extensive range of funds, access to an investment platform and the ability to appoint a discretionary investment manager.
The product is suitable for expatriates and other residents living in Portugal seeking a lump sum investment option. The minimum initial premium is €100,000 with the option for additional contributions at a later date. The product also offers attractive flexibility around investment options and portability.
Benefits of Utmost Wealth Solutions
In Portugal, policies are written from our Irish life company, Utmost Pan Europe dac. They benefit from Ireland’s strong insurance regulatory regime, Solvency II and Ireland’s robust policyholder protection regime. Additionally, there is no VAT charged on management fees.
For Key Information Documents (KIDs) and information on your investment options
See detailed information on fund performance
How can we help?
To find out more about our solutions available in Portugal, please contact our sales team.Sales
If you have a query about an existing policy, please contact our customer support team.Customer support
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