infinityFlexible savings andinvestment solutions

Union Insurance has been providing innovative financial products and services for our clients since 1998. We are licensed by the UAE Insurance Authority and listed on the Abu Dhabi Securities Exchange.

Hansard International is part of the Hansard Global plc group, which has been listed on the London Stock Exchange since 2006 and has over $1bn in assets under administration1. More information about Hansard International is available on request, or via hansard.com

We have joined forces with Hansard to deliver Infinity, a choice of two flexible saving and investment products that provide you with access to a range of funds

managed by some of the world’s largest and most reputable asset management companies.

Hansard has over 30 years of experience in administering investment contracts and providing excellent customer service to over 40,000 contract holders

across the globe.

Fundamental to its success is its market-leading online administration platform, which provides you with access to a wealth of secure, personalised contract data

and fund research tools to assist you in monitoring your Union Insurance contract 24/7.

W O R K I N GI N UN I ON

1as at 1 June 2016

2as at 1 August 2016

with paid-up capital of overaed 330 million2, we provide a

comprehensive range of retail and commercial insurance products to

clients in the uae and themiddle east region.

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we all aspire to certaingoals and ambitions

You may want your children to receive a first class education, or maybe you simply want an emergency fund for a rainy day.

We can provide flexible, affordable products that are designed to meet your investment needs, to support your goals in the future.

So, how do you get the best from your investments, to turn your aspirations into reality?

achieving your aspirations

you may be planning to buy your ideal holiday home in the sun,or maybe buy the yacht or sports car that you have always desired.

you may be looking forward to an active, rewarding and fulfilling retirement,safe in the knowledge that you are financially secure.

the importance of professional advice

By identifying and prioritising your personal objectives and discussing your individual circumstances, your financial advisor can assist you in developing and implementing a strategy to help you achieve your goals.

Your financial advisor can also assess your attitude towards risk, identify what products are available and evaluate their suitability to your circumstances.

Once you have decided to implement your plan, you should ask your financial advisor to assist you in monitoring progress and providing ongoing service if your situation changes over time.

every individual’s financial situation is unique. with such awide range of financial products and services and unlimited asset types to

choose from, making a clear, long term financial plan is no easy task.specialist advice is therefore essential.

through discussion with your financial advisor, you will decide

which of our Infinity products is most suitable for you.

Over the long term, investing in a diversified portfolio of assets will increase the potential for higher returns, when compared to investing in cash, particularly in a low interest environment. However, researching, choosing, trading and monitoring the performance of individual financial instrumentscan be expensive and time consuming.

An Infinity contract from Union Insurance can simplify this process, l inking to funds managed by a number of the world’s leading asset management companies in one place, al lowing for easy administration.

You should be aware, however, that the value of investments l inked to the contract can go down as well as up. You may also get back less than you originally invested.

how our products work for you

time, not timing...

With the right kind of product and suitable unit funds held within your Union contract, you could benefit from the potential growth in markets around the world.

our products are designed as medium to long term contracts(typically five years upwards) and can help you in achieving your

financial goals. this may be saving for a more fulfilling andsecure retirement, long term care or simply for further wealth creation.

benefit from theright product for you

infinity wealthRegular contribution contract

Designed for medium to long term savingAccess to a range of unit funds

infinity accessFlexible single and regular contribution contract

Minimum contracted contribution can be spread over three yearsAccess to a range of unit funds

The suitability of these products will depend on your personal circumstances, attitudeto risk and your time horizon. Further information about these products is

available from your financial advisor.[ [

we appreciate that your savings and investments are important to you, and that you will want to monitor the performance of your

union insurance contract when it suits you.

Hansard has built an enviable reputation for technological excellence, providing solutions via its market-leading online platform, ‘Hansard Online’. Hansard Online is a secure, multi-lingual platform where financial advisors generate over 2 million personalised reports for their clients each year, with over 90% of regular contribution business being submitted via its straight-through online new business tool.

You will have access to your own personal, secure and multi-lingual ‘Online Account’, enabling you to track the performance of your contract online.

Accessing your Online Account is simple, via your mobile or tablet device, enabling access on the go, wherever you are in the world.

You wil l be automatically invited to sign up to your Online Account when your contract is issued. Alternatively your financial advisor can assist with registration.

your contract detailsat the touch of a button

your choice...

an exceptional selection of assets and optional benefits to choose from

These unit funds are managed by some of the world’s leading asset managers includingBlackRock, Franklin Templeton, Emirates, Fidelity, and many others.

The extensive select ion of investment choices means that d ivers i f icat ion of your portfol io is easily achievable.

an exceptional range of unit funds are available to you, providing access to a range of asset classes with various

geographical and industry options.

You can add an extra, optional benefit to some of our regular contribution life assurance contracts to protect those you love and who depend on you.

A guaranteed life insurance sum assured allows you to choose an amount of additional l ife insurance to protect your dependants or complete your savings plan should you die before

the contract matures.

optional benefits-protection against the unexpected

our commitment to youWe offer individuals, corporates and government entities a wide array of insurance products that provide better r isk coverage combined with a customer experience which is fr iendly, rel iable and efficient.

Our focus on innovation is powered by a technical team of highly skilled and experienced professionals, while our commitment to relationships is built on trust and openness.

In this way, we deliver value-added insurance products and services that help protect our clients around the clock and all year long.

people focused

Distinguished by our focus on our people, we nurture a corporate culture that encourages teamwork and a cooperative environment that values the contribution of over 250 professionals working at the f irm. This environment delivers better customer-focused and personalised service.

In addition to this focus on customer care, Union has developed its claims processes and paperwork to be as quick and simple as possible.

Well aware of the ever-changing market and risk environment, the firm employs a team of professionals who have completed their Associateship of the Chartered Insurance Institute (ACII) . They bring experience, knowledge and strong structuring capabilities to the development of new and enhanced insurance products. Because this team is in-house, we can confidently provide you with accurate quotes every time.

technical team

experience, knowledge and strong structuring capabilities to the development of new and enhanced insurance products.

Union Insurance P.S.CSingle Business Tower, Sheikh Zayed Road

PO Box: 119227, Dubai, UAEToll Free: 800 UIC4U (84248) or +971 (04) 3311890 Website: unioninsurance.ae

Registered under the Insurance Companies Agents Law No 6 for 2007 (Licence No.67)

The details described in this document are governed by and shall be construed in accordance with the laws of the United Arab Emirates.

Important notes

This document is produced for general information purposes only. Before applying for any product, you should read the product literature.

Union:

• uses reasonable efforts to ensure that the information contained in this document is accurate at the date of publication;

• does not offer any minimum return guarantee, therefore the amount you get back from your contract may be lower than the contributions paid;

• does not provide advice on the suitability of any products;

Tax consequences will depend on an individual’s circumstances and residence, and may change over time. Applicants are advised to seek professional advice before applying for any product or if their tax circumstances change during the contract term.

Past performance is not a guide to future performance. Unit prices can go down as well as up. Unit price performance may be affected by movements in exchange rates.

For full details of the product, please refer to the product literature.

W O R K I N GI N UN I ON

Union Insurance P.S.CSingle Business Tower, Sheikh Zayed Road

PO Box: 119227, Dubai, UAEToll Free: 800 UIC4U (84248) or +971 (04) 3311890 Website: unioninsurance.ae

Registered under the Insurance Companies Agents Law No 6 for 2007 (Licence No.67)

The details described in this document are governed by and shall be construed in accordance with the laws of the United Arab Emirates.

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