Foundations Program

If you have existing offshore life insurance policy investment plans either single or regular premium plans with a current value of $65,000 or more and if you are intending to leave these investments in place for at least 5 years we do have a new opportunity to use the value of your existing policy to generate an additional return.

A fund called the Foundations Program PLC (FPP) allows you to do this by borrowing against your policy and reinvesting the proceeds to generate an additional return. It does this without the normal levels of cost, administration, and risk associated with conventional leveraging.

FPP assigns your policy to the fund and it will automatically borrow and reinvest to generate the additional return. This process is housed under one roof and your existing policy and investment strategy continues as before running separately to the Program.You receive an annual statement detailing progress in the Program which essentially runs in the background.

In summary this vehicle is worth looking at in these circumstances because:

• At reasonable levels of risk an additional return of between 4-6% per annum can be achieved with no further investment monies.
• Flexibility in managing your existing policy is maintained.
• Adding the Program can help diversify your overall investment strategy.
• Although designed to run for 5 years, early exit is not expensive relatively and loyalty is rewarded.
• The Program constantly values your existing policy and adjusts your participation according to changes in value and changes in underlying investments. Whilst losses can occur, in this way your risk is adjusted and managed constantly.
• The Program is unique and is designed to address all of the issues with borrowing to invest.
• Counterparties to the Program are well known and respected organisations

Main risks and considerations

• Profits are not guaranteed and therefore by adding the Program any underperformance would have a negative effect on your overall return. On exit from the Program your existing policy may be used to repay any debt associated with your participation in the Program
• Whilst the redemption penalty within 5 years is relatively low, the Program should nevertheless be viewed as a 5 year commitment 
• The Foundations Program is not suitable to run alongside policies where income is required

We believe the Foundations Program PLC represents a unique opportunity to increase your investment return but crucially, without the need to invest further monies and whilst leaving your existing strategy in place.

E-mail us now to get prospectus and fact sheet for this fund