At FPIL we recognise that you are placing a great deal of trust in us to provide you with benefits over the longer term.
To reward your loyalty, provided your plan is premium paying, you will be eligible for a guaranteed bonus payable from the tenth anniversary of the date you took the contract out.
From this date, units to the value of 0.5% per year of the total plan value will be added to your plan on the next dealing day following the monthly anniversary date of the contract.
The total plan value also includes the value of any units created by the payment of additional regular or single contributions.
The guaranteed bonus will be used to purchase additional Accumulation Units atthe bid price.
At the end of the contract term (the point at which the plan is encashed after reaching the Maturity Date) we will also make a payment of USD 150, GBP 100, EUR 150 or HKD 1,200 in addition to the unit value.
A client invests a contribution of USD 2,000 per month for 20 years. On the tenth contract anniversary they will receive a guaranteed bonus of 0.5%/12 of the current total plan value.
Accordingly, if the current total plan value is USD 300,000 they will receive extra units to the value of USD 125 (USD 300,000 x 0.5%/12) on the tenth contract anniversary. They will then receive a guaranteed bonus monthly thereafter of 0.5%/12 of the current total plan value at the time.
Guaranteed bonus units are only payable on plans with investment terms greater than 10 years that are premium-paying at the date of each bonus calculation. The guaranteed bonus rate does not represent the rate of return or performance of your investment.
This is a hypothetical example and is not intended to represent the actual rate of return or performance of your investment.
A. まず、フレンズプロビデント社はInternational Financial Group Limited（IFGL）の傘下となりましたので、IFGLが倒産した場合になるかと思います。IFGL社が破綻した場合は、マン島政府によって履行できなかった最大90%が投資家に提供されます。実際にどれくらいが補填されるかは分かりません。現時点でマン島に本拠地を構える保険会社は一度も倒産したことがないようです。