• Total access to investment: your client can fully surrender the bond at any time without any penalties or deductions being applied.

• Any outstanding establishment charges are waived on full surrender or death.

• A loyalty bonus of 0.5% of the value of the bond is payable at the end of its fifth year and every 5 years thereafter.

• We offer a Share Exchange Scheme for your clients to enable them to convert an existing stocks and shares portfolio into a Total Access Bond.

• The option to add “top ups” to the investment. When determining the charges for the top up we will take into account the total premium; not just the value of the top up.

• Your client can regularly withdraw money from the bond without charge and withdrawals can be started, stopped and re-started at anytime.

• Withdrawals can be targeted at one or more funds whilst leaving others untouched or spread across all funds.

• Unlimited free fund switches.

• A phased investment option to enable your client to automatically move money gradually from one group of funds to another over a defined period of time, free of charge. The option can be taken at outset or added at a later date and can be applied to new and existing business.

• Investment in up to 10 funds at any one time. Subsequent premiums can be invested in up to 10 different funds per payment.

• An extensive range of funds to chose from including multi-manager, giving access to internal and external investment managers.

• Fixed allocation rate of 100% of the premium paid.

• A percentage of initial commission may be reclaimed from you should the client fully surrender the bond or die within three years of outset. The percentage reclaimed is on a reducing scale and after 3 years no initial commission will be repayable.

• For fee based advisers the bond can also be set up on a zero initial commission basis for which there will be no deductions or reclaim of commission upon surrender or death.

• A fully flexible structure to meet your clients’ specific requirements;

• A choice of initial commission up to 5% of premium;

• Trail commission up to 1% p.a. paid monthly which can be stopped, started and varied at any time;

• A no commission option if you work on a fee basis.