SWISS  MULTI-ASSET  MANAGED  ANNUITY  FAQ

1. In which currency is my variable annuity denominated?

The policy is denominated in either Swiss francs or US dollars, the reporting currencies. The mutual funds invest in assets in a diversified range of currencies. You will receive a report on your portfolio's currency allocation with your policy.

2. When do I receive an account statement?

Upon receipt of your single premium, mutual fund shares are purchased. You will receive a Policy Investment Summary with your contract. Your portfolio is rebalanced quarterly, if needed. Account statement are sent quarterly.

3. What are the fees involved?

There are usually no up-front fees. Annual investment management fees are based on the portfolio selected. Please refer to our page of Fees and Charges for details.

4. Can a managed variable annuity protect my assets from lawsuits and seizure arising from bankruptcy and estate settlements?

The laws governing your variable annuity protect insurance policies in a singular manner. Unlike any other investment, these insurance policies, if properly structured, cannot be included in any bankruptcy or court judgment on a liability claim. Your annuity can be made judgment proof.

5. Can I make partial or full withdrawals?

Yes, you can make partial of full withdrawals at any time. Surrender charges apply for full withdrawals, but are nil after 5 years. Please consult our fee schedule for the charges. You also need to be aware of any adverse tax consequences for early withdrawal.

6. Can I increase my investment?

You may at any time, make additional payments.

7. Can a legal entity be the owner of the certificate?

Any legal entity such as a trust, corporation, pension plan, foundation or establishment can be the Owner as well as Beneficiary of the annuity certificate. Just send us a copy of the Trust Agreement or Deed of Incorporation.

SUMMARY OF BENEFITS

Full Creditor Protection

No Swiss Estate,  Inheritance, or Transfer Taxes

No Foreign Income Taxes

Private & Safe

First-Class Swiss or Liechtenstein Insurance Company

Each Investor Assigned a Personal Certificate  Number

Certificates are Denominated in Your Choice of Currency

Reference Currency is the Swiss Franc or US Dollar

No Limits on Duration of the Investment.
[5 Years is the Recommended Term]

Add more funds and/or request partial withdraw of funds anytime without fees or penalties