Transparency

At the time of applying for unit-linked life and anuity assurance, clients are given comprehensive product information in the application brochure provided by their broker, e.g. insurance terms and conditions, consumer information, information on the investments and a financial model calculation showing possible value developments. All tariff costs are specified and itemised in the insurance terms and conditions. Furthermore, the brokerage fee is identified in a separate agreement. Investors are sent an annual report showing how their payments have been used and giving the value of their investments on a specified date. In addition, the value of every investment strategy is calculated on a daily basis and clients can request this information at any time from the broker handling their policy.