Our Solutions – Rest of the World

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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 – November 2022

FOCUS Int’l Plan Investments Performance (PIP) – November 2022

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.

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

Download Investment Choices / Funds Information here

THE WEALTH PORTFOLIO – CREATING A FINANCIAL FUTURE THAT TRAVELS WITH YOU

The Wealth Portfolio is a portable wealth management solution, suitable for the medium to long-term investment needs of UK expatriates who intend to eventually return to the UK.

To achieve this tax-efficient portability, clients must use a professional discretionary asset manager to create and manage a tailored investment.

The Wealth Portfolio can also be used with a trust for estate planning purposes which can help to ensure that as much of client’s wealth as possible is passed on to future generations. 

Key Features:

  • Available as a whole-of-life offshore bond (The Wealth Portfolio – Life) or a capital redemption contract with a 99-year fixed term (The Wealth Portfolio – Redemption).
  • Suitable for lump sum investments of US$75,000 / €75,000 / £50,000 or more with the option for additional lump sums.
  • A Discretionary Asset Manager can be appointed to create and manage a tailored investment on the client’s behalf. This achieves tax-efficient portability for client’s returning to the UK.

Download The Wealth Portfolio Brochure here

Download The Wealth Portfolio Redemption At-A-Glance Flyer here

Download The Wealth Portfolio Life At-A-Glance Flyer here

Download Investment Choices / Fund Information 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.

View technical briefings, guides and industry updates for professional advisers in uTECH

HOW CAN WE HELP?

To find out more about solutions available, contact our sales team.

For FOCUS plans:

Sales

For the Executive Bond and the Wealth Portfolio:

Sales

CUSTOMER SUPPORT

If you have a query about an existing policy, contact our customer support team.

For FOCUS, Professional Portfolio, Vision and Choice Plans:

Customer support

For the Executive Bond and the Wealth Portfolio:

Customer support

ONLINE SERVICE

To manage your plan online, login to the Online Service Centre.

Online Service