A sales brochure for the Asset Income Plan.

1. asset
income plan
“Income for homeowners”
“Improved turnover for businesses”
Haven
INTERNATIONAL CONSORTIUM LTD

2. Are you affected by any of the following?
• Savings rates at record lows • Business struggling
• Poor investment returns • VAT man knocking at the door
• Volatile stock market • Bank withdrawn finance facility
• Pension plans not performing • Cash flow compromised
• Salary not keeping up with inflation
• Ever rising costs
• Danger of redundancy Are you struggling to find a solution?
• Can’t afford to retire
Do you own your own home or business premises?
• Forced to retire early
• Insufficient retirement income
Your biggest asset, your home or business
premises, could be the answer to your prayers...
The equity in your property, whilst it may have grown over the years, has never actually earned anything.
Traditionally there has always been a cost attached to accessing that wealth. Releasing equity has always been
seen as a “last resort” option with some or all of the associated downsides:
8 interest payments
8 debt
8 erosion of equity/inheritance
8 loss of title to the property
8 punitive early redemption clauses
Would you prefer your property to earn rather than cost money:
3 no debt or interest payments
3 no erosion of equity
3 no loss of title
3 no age requirements
3 no income requirements
The Asset Income Plan is the perfect opportunity to satisfy the needs of two disparate parties. You,
the property owner, can earn interest on your equity, paid for by the need for Insurance Companies
to increase their capital reserves, a demand made by the EU directive, “Solvency II”.

3. How does it work?
The Asset Income Plan has been created to How can the Insurance Companies afford to
enable property owners to benefit from a much pay you in return for the equity charge?
needed quarterly income linked to the value of Well, under solvency rules, Insurance
the property. An income obtained without Companies must have increased levels of
borrowing, without paying interest, without capital reserves to support the insurance
eroding the equity in the property and without business that they write, not an easy task in
losing title to the property.
today’s economic climate.
An independent financial adviser or mortgage
Adding packages of property charges to
broker will discuss the suitability of the plan
their balance sheets is a cost effective means
to make absolutely sure that it meets your
for them to write greater levels of business,
needs. If so they will let you have an illustration
with the associated increase in profit more
showing the income which the plan will provide
for you based upon the expected value of the than adequate to cover the quarterly
property. Assuming that you wish to proceed, payments to you, the property owner. In
perhaps after further discussions with your short, everyone wins, the Insurer can write
family and/or legal adviser, your property will more profitable business and the property
be valued and the quarterly income confirmed. owner earns an income in a way which has
never been possible in the past.
Your income will be paid to you by ‘A’ rated
or higher, nationally recognised Insurance
Companies to whom packages of equity in
many properties will be assigned. This helps
the Insurance Companies to comply with the
“Solvency II” EU directive which requires them
to increase their capital reserves in order to
continue to write their current levels and any
future insurance business. The contract term
will be for 10 years at which point the charge
will be automatically released with no debt or
interest payments due and retaining full title
to your property. For residential property
owners the contract can be terminated early by
giving 3 months notice, (during which time no
further payments will be received) for death,
divorce, bankruptcy, move to a care home or
moving home. For commercial property the
notice period is 6 months for death, divorce,
insolvency or administration. The contract may
also be renewed for a 2nd term according to
market conditions at the time.

4. *
Case Studies
Graham & Janet Parsons:
The Parsons paid off the mortgage on their 4 bedroom detached home on the south coast just over
2 years ago. In their late fifties, Graham is considering the possibility of semi-retirement which would
give them more opportunity to pursue their love of sailing, particularly in the summer months. However,
the reduced income could mean selling their current home and downsizing, which would affect the size
of inheritance for their children. Their IFA recommended the Asset Income Plan which would provide an
income of £13,750 every year for 10 years, more than enough to cover Graham’s reduced salary which
means they can stay in their current home.
Stuart Ashton
Stuart, 43, bought a small hotel 8 years ago with an inheritance of £600,000. He saw excellent growth
during the first 4 years but has suffered a fall in business since the infamous credit crunch hit. He loves
the business, is a very good host and does not want to sell the hotel. He feels his only other choice would
be to take a commercial loan, secured against the hotel, until business improves again, which he expects
to take another 2 or 3 years. He was lucky enough to broach the subject with his broker who suggested
the Asset Income Plan as an alternative. He is sure that the additional £15,000 per annum which the plan
will provide will help him through the hard times and increase his profit for the following 7 or 8 years.
Jim Overton
Jim is in his late seventies and is struggling to make ends meet as price rises continue to outstrip his small
pension increases. He owns his delightful cottage, worth about £160,000 and his two sons and daughter
want him to consider equity release as a way to enjoy his life more from the income it would provide. But
Jim is worried that this would severely diminish the inheritance that he would love to leave to his children.
By taking the Asset Income Plan that his financial adviser showed him, Jim can now comfortably live without
fear of debt or interest payments, secure in the knowledge that his family will still benefit from the full value
of his home.
*These case studies are fictitious, but should help to illustrate how the Asset Income Plan can change people’s lives for the better.

5. Questions & Answers:
Am I eligible for the Asset Income Plan?
Unlike most mortgage and equity release schemes
there are no criteria which might exclude applicants
other than owning a mortgage free property. There
are no age restrictions and no income or How much income can I expect?
employment restrictions. The Asset Income Plan pays 5% of the value of
the charge taken (up to 50% of the value of the
Are there any capital or interest property) every year for 10 years. A property
payments due? worth £200,000 would have a charge taken
Traditional equity release, lifetime mortgage or of £100,000 which would earn £5,000 every
reversion plans require interest payments, build year, a total of £50,000.
up a debt that needs repaying or erode the equity
in your property. With the Asset Income Plan What are the risks?
there are NO payments due, either now or in the The charge on your property will be assigned
future and NO loss of equity in your property. to financially strong, nationally recognised
Insurance Companies. The chance of such
Do I lose the title on my property? strong entities either defaulting on their
Absolutely not. A charge is taken on your payments or going into administration are
property and assigned to the Insurance very low, although not impossible. However,
Company, but the title remains yours and the should the Insurance Company become
charge is merely released at the end of the insolvent, the charge on your property will
term with nothing to pay and no loss of equity. be protected by an insurance policy which
will pay the value of the charge which can
How much will this cost me? then be released by the administrator. The
For residential property owners there are no only loss, therefore, would be of the
arrangement fees for setting up the Asset quarterly payments due during the
Income Plan, although a standard valuation remainder of the 10 year term.
fee is payable. For commercial property owners
the valuation fee would depend upon the Any other considerations?
complexity of the valuation. Should you decide It is important to understand that the
to take additional legal advice this would be at income produced is potentially taxable, paid
your own expense. Your financial adviser/ gross. The entitlement to certain State
mortgage adviser may charge you a fee for Benefits could be affected by this plan so
their advice. you should check with your financial adviser.
This plan will only provide an income; if you
require a lump sum then there are other
options that may be more suitable.

6. Code of Practice
Asset Income Plan Ltd. have appointed Haven International Consortium Ltd. to bring the Asset
Income Plan to the public domain. Together we aim to treat customers fairly, honestly and with
the utmost integrity. We aim to be transparent in all our dealings with customers, with both our
marketing material and our verbal and electronic communications; before, during and after the
acceptance of the Asset Income Plan.
The Asset Income Plan is governed by the laws of England and Wales. The Courts of England and
Wales shall be the forum for the resolution of any disputes relating to the plan. All plans shall be
subject to a 14 day “cooling off” period from the date of offer, during which the customer may
change their mind without charge or penalty.
The Asset Income Plan is a Non-Regulated Product, which means that you will not be covered by
the Financial Services Compensation Scheme. Advice on the suitability of the Asset Income Plan
should be taken from your qualified Independent Financial Adviser/Mortgage Adviser.
Haven
INTERNATIONAL CONSORTIUM LTD
Haven International Consortium Ltd. Tel: 0161 928 9961
2 Old Market Place Email: info@havenic.com
Altrincham Website: www.havenic.com
Cheshire
V1 – 10.03.2011 WA14 4NP
Copyright 2011 © Asset Income Plan