Zenith

Zenith – Flexibility to invest your way

fpinternational.com

Flexibility to invest your way

GE_Z_BR 12.15 (48485)

Friends Provident International Limited: Registered and Head Office: Royal Court, Castletown, Isle of Man, British Isles, IM9 1RA. Telephone: +44(0) 1624 821 212 | Fax: +44(0) 1624 824 405 | Website: www.fpinternational.com. Incorporated company limited by shares. Registered in the Isle of Man, number 11494. Authorised by the Isle of Man Financial Services Authority. Provider of life assurance and investment products. Authorised by the Insurance Authority of Hong Kong to conduct long-term insurance business in Hong Kong. Registered in the United Arab Emirates as an insurance company (Registration No. 76). Registered with the Ministry of Economy as a foreign company (Registration No. 2013): Registration date 18 April 2007. Authorised by the United Arab Emirates Insurance Authority to conduct life assurance and funds accumulation operations. Registered in Singapore No. F06835G. Licensed by the Monetary Authority of Singapore to conduct life insurance business in Singapore. Friends Provident International is a registered trade mark of the Aviva group.

Copyright © 2015 Friends Provident International Limited. All rights reserved.

6mm spine

5mm capacity

Friends Provident International Zenith02

Contents03 Achieving your dreams

04 Making your money work hard for you

05 How Zenith meets your needs

06 Next steps

07

About Friends Provident International

Friends Provident International has over 35 years of international experience and is part of the Aviva group which has a heritage that dates back over 300 years.

We provide savings, investment and protection products to customers in Asia and the UAE. With offices in Dubai, Hong Kong, Singapore and the Isle of Man, we have more than 500 staff worldwide who are committed to helping our customers achieve their financial goals.

03

Achieving your dreams

We all have hopes and goals for the future – whether it’s buying your dream home, helping your child secure a good education or plan their perfect wedding, going on the holiday you’ve always wanted, or retiring in the sun. Whatever your goals – investing in Zenith could help you on your way to achieving them.

04 Friends Provident International Zenith

Making your money work hard for you

With access to a wide range of funds managed by some of the world’s leading fund managers, Zenith can help to find the ideal investment combination for you.

Whether you prefer to take an active role in your investment choices or leave the key decisions to an expert, Zenith gives you the freedom to invest your way; helping you to realise the potential of some of the world’s fastest growing economies.

It’s designed exclusively for a lump sum investment, with a high level of flexibility to choose and adjust your funds, to take advantage of growth opportunities whenever they arise.

By choosing Zenith, more of your money gets straight to work from day one. There are no upfront charges on the funds you invest in, and depending on how much you invest, you can also benefit from enhanced allocation rates.

If you’re looking to make the most of tax planning opportunities, Zenith could help. As an international investment, your money has the potential to grow, free from income and capital gains taxes (with the exception of irrecoverable withholding tax). It also has an element of life cover built in, and enables you to include up to four lives assured so you can plan effectively for the long term.

Please speak with your financial adviser for further information on how Zenith could help you meet your financial goals.

05

How Zenith meets your needs

Some of the key features and benefits include:

Flexibilityin your investment choice giving you access to some of the world’s fastest growing economies.

You have a choice of withdrawal options to suit your needs.

The choice to name up to four policyholders.

4x policyholders

Tax efficiencyAccess to capital

For more detailed information about these benefits see the Zenith product guide. Please speak to your financial adviser about any restrictions of Zenith.

1%10x Extrainvestment funds

Life assurance included. We will pay an extra 1%, on top of the cash-in value of the plan, on the death of the last life assured.

Enhanced investment allocation rates of up to

104%Split your investment between 5 and 100 identical policies. This can give you greater flexibility in the future – for example you can cash in some policies and keep others going.

Your savings could grow free of income and capital gains taxes (with the exception of irrecoverable withholding tax) regardless of your country of residence.

You have the opportunity to invest in up to 10 funds at any one time. And you can switch between our wide range of funds whenever you need to.

06 Friends Provident International Zenith

Next steps

Before filling out your application form, you should think about making the following decisions:

Should we need any further information, we will get in touch with you. Otherwise you will receive your Zenith policy documents once your plan begins.

It is easy to start saving – simply speak to your financial adviser to fill out the application form and we will take care of the rest.

InvestmentDecide how much you would like to invest? Funds

Which funds would you like to invest in?

Currency choiceWhich currency would you like your plan to start in? (USD, GBP, EUR or HKD)

Access to your investmentDo you wish to set up any regular payments or one-off withdrawals?

Number of policiesOver how many individual policies would you like to split your investment?

Friends Provident International Zenith02

Contents03 Achieving your dreams

04 Making your money work hard for you

05 How Zenith meets your needs

06 Next steps

07

About Friends Provident International

Friends Provident International has over 35 years of international experience and is part of the Aviva group which has a heritage that dates back over 300 years.

We provide savings, investment and protection products to customers in Asia and the UAE. With offices in Dubai, Hong Kong, Singapore and the Isle of Man, we have more than 500 staff worldwide who are committed to helping our customers achieve their financial goals.

Zenith

Zenith – Flexibility to invest your way

fpinternational.com

Flexibility to invest your way

GE_Z_BR 12.15 (48485)

Friends Provident International Limited: Registered and Head Office: Royal Court, Castletown, Isle of Man, British Isles, IM9 1RA. Telephone: +44(0) 1624 821 212 | Fax: +44(0) 1624 824 405 | Website: www.fpinternational.com. Incorporated company limited by shares. Registered in the Isle of Man, number 11494. Authorised by the Isle of Man Financial Services Authority. Provider of life assurance and investment products. Authorised by the Insurance Authority of Hong Kong to conduct long-term insurance business in Hong Kong. Registered in the United Arab Emirates as an insurance company (Registration No. 76). Registered with the Ministry of Economy as a foreign company (Registration No. 2013): Registration date 18 April 2007. Authorised by the United Arab Emirates Insurance Authority to conduct life assurance and funds accumulation operations. Registered in Singapore No. F06835G. Licensed by the Monetary Authority of Singapore to conduct life insurance business in Singapore. Friends Provident International is a registered trade mark of the Aviva group.

Copyright © 2015 Friends Provident International Limited. All rights reserved.

6mm spine

5mm capacity