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Products > Unit-Linked Life and Annuity Assurance > Overview

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Overview

Unit-linked life- and annuity assurance is available at two alternative tariffs - LAR 1 for savers and LAS for once-off investors. Special national features are taken into consideration in the tariff terms, based on national legal and tax conditions at EU member state level.

Tariff LAS involves a one-off payment so it is not necessary to separate out the brokerage fee. Nevertheless, here too the client is assured of complete transparency through the disclosure of costs.

In all tariff alternatives, at the core of all unit-linked life- and annuity assurance products is the investment based on Best Select asset management.

Clients can protect their savings target against the risks of inability to work, general disability or unemployment. Through dynamic adjustment of premium payments, the premium amount rises, thus securing the client's standard of living when the unit-linked life- and annuity assurance policy matures.

The FWU Group's unit-linked life- and annuity assurance is a modern investment product in the guise of a life assurance and is implemented on FWU business principles. The responsibilities of those involved in the product are clearly defined:

concept development, tariff implementation, marketing, distribution	FWU AG, München
insurer, tariff administration, customer account management	ATLANTICLUX Lebensversicherung S.A., Luxembourg

In this product, corporate product philosophy has been systematically applied. Thus fund-linked life-and annuity assurance is sold to the investor as a net product under the individualising private label of licensed partners with investment facilities using the Best Select asse management.