Features of RL360's Regular savings plan. (Only for financial advisers) • A savings plan for the international investor • Invests in a wide range of quality funds • Ideal for those looking to save over the medium to long term • A portable plan for a global work force • Can be segmented to provide potential tax advantages • Benefits from gross roll up • Generous bonus structure • Flexible structure – Can be tailored to fit client requirements

1. 1 REGULAR SAVINGS PLAN
REGULAR
SAVINGS
PLAN
www.rl360.com
PRODUCT PRESENTATION
2019
For presentation to
financial advisers only

2. 2 REGULAR SAVINGS PLAN
REGULAR
SAVINGS PLAN
AGENDA
• Introduction
• Who should invest
• Reasons to invest
• What are the options
• Bonus features
• Flexibility
• Plan set up
• Charges and fees
• Fund range
• Cancelling the plan
• Questions

3. 3 REGULAR SAVINGS PLAN
INTRODUCTION
REGULAR SAVINGS PLAN
• A savings plan for the international
investor
• Invests in a wide range of quality funds
• Ideal for those looking to save over the
medium to long term
• A portable plan for a global work force
• Can be segmented to provide potential
tax advantages
• Benefits from gross roll up
• Generous bonus structure
• Flexible structure – Can be tailored to fit
client requirements

4. 4 REGULAR SAVINGS PLAN
WHO SHOULD
INVEST
CLIENTS WHO:
• Have a medium to long term investment
horizon – 10+ years
• Can commit to saving regularly for a
defined period
• Understand that their money will be
invested in funds which are subject to
performance related risk
• Aren’t looking for a short term home or
instant access to their money

5. 5 REGULAR SAVINGS PLAN
EDUCATION PLANNING
FOR CHILDREN /
GRANDCHILDREN
• Suitable for
college/university fees
• Cover travel costs / Gap
year experiences
• Help towards a first home
– transition into the
working world
RETIREMENT PLANNING
• Enhance existing pension
arrangements
• Bridge gap between early
and full retirement
• No restrictions on access
to funds after term end
GENERAL SAVINGS
• Clients might have limited
options if working abroad
• Invest in a stronger
currency
• Diversify clients existing
savings and investments
REASONS TO
INVEST

6. 6 REGULAR SAVINGS PLAN
WHAT ARE THE
OPTIONS
• Single or joint applicants
• Choice of 7 currencies options
• Minimum payment term: 5 years
• Maximum payment term: 25 years
• Save on a monthly, quarterly, half-yearly
or yearly basis
• Pay by credit card, direct debit, standing
order, TT or cheque
• Choice of a Life assurance or Capital
redemption basis

7. 7 REGULAR SAVINGS PLAN
LIFE ASSURANCE
• Whole of life contract
• Issued on a single life or
joint life last death basis
• Minimum age of life
assured: 18 years
• Maximum age of life
assured: 65 years
• Ends on death or when
cancelled in full.
• Death benefit equal to
101% of plan value
WHAT ARE THE
OPTIONS

8. 8 REGULAR SAVINGS PLAN
CAPITAL REDEMPTION
• Not a life assurance
contract
• No lives assured allowed
• Does not automatically
end on death of the plan
owner
• No 101% death benefit
paid
However…
If the plan owner dies at any time during the payment term,
their representatives will have 90 days from date of
notification of death, to cancel the plan without the deduction
of any early exit charges.
100% of the plan value paid
WHAT ARE THE
OPTIONS

9. 9 REGULAR SAVINGS PLAN
WHAT ARE THE
OPTIONS
Monthly saving starts from:
Additional lump sum payments
allowed at any time.
Payment currency Per month
GBP 200
EUR 240
CHF 260
USD 280
AUD 360
HKD 2,000
JPY 31,000

10. 10 REGULAR SAVINGS PLAN
INCREASED ALLOCATION
• Enhancing each payment
invested during the
payment term
• Payment increases and
decreases can effect
allocation rate
• Applies to the starter
bonus – same rate as the
regular payment
• Applies to regular
payments only
BONUS
FEATURES

11. 11 REGULAR SAVINGS PLAN
CCY 100% 101% 102%
GBP 200 550 950+
EUR 240 660 1,140+
CHF 260 715 1,235+
USD 280 770 1,330+
AUD 360 990 1,710+
HKD 2,000 5,500 9,500+
JPY 31,000 85,250 147,250+
BONUS
FEATURES
ALLOCATION RATES TIERS – PAYMENT LEVELS:

12. 12 REGULAR SAVINGS PLAN
STARTER BONUS
• Boosting plan values from
day one
• Up to 600% of the clients
initial monthly payment
• Added as bonus
establishment units
• Also available for payment
increases
• Each Starter bonus must
meet qualifying rules
BONUS
FEATURES

13. 13 REGULAR SAVINGS PLAN
BONUS
FEATURES
STARTER BONUS - QUALIFYING RULES
Term (years) Extra bonus (months)
5-9 0
10-14 1.5
15-19 3
20-24 4.5
25+ 6

14. 14 REGULAR SAVINGS PLAN
BONUS
FEATURES
STARTER BONUS - QUALIFYING RULES
Minimum monthly payment level
CCY Payment (monthly) Yearly equivalent
GBP 300 3,600
EUR 360 4,320
CHF 390 4,680
USD 420 5,040
AUD 540 6,480
HKD 3,000 36,000
JPY 46,500 558,000

15. 15 REGULAR SAVINGS PLAN
BONUS
FEATURES
LOYALTY BONUS
• Applies to plans with a payment term of
10 years+
• Equal to 0.25% for each year payments are
made in full
• Based on the final fund value
• A proportion of the bonus will be paid if plan is
cancelled within 5 years of the end of the
payment term – see table opposite
• Paid in full at the end of payment term
Years to end of
payment term
% of loyalty bonus
payable
0 100%
1 80%
2 60%
3 40%
4 20%
5+ 0%

16. 16 REGULAR SAVINGS PLAN
PAYMENT FLEXIBILITY
• Ability to increase or
decrease payments during
the term
• Increases are subject to
their own establishment
period, early exit charges,
loyalty bonus and starter
bonus
• Decreases allowed after
the establishment period
• Decreases do not reduce
any starter bonuses added
to the plan
• Any increase or decrease
could also impact the
allocation rate
• Ability to change payment
frequency
• Usually on the plan
anniversary
FLEXIBILITY

17. 17 REGULAR SAVINGS PLAN
PAYMENT HOLIDAY
• Available after
establishment period
• Up to 2 years allowed if
client circumstances
change
• Should be viewed as a
temporary measure
• Charges continue to be
taken
• Servicing charge will
increase whilst payments
are suspended.
FLEXIBILITY

18. 18 REGULAR SAVINGS PLAN
WITHDRAWALS
• Available after
establishment period
• Plan value after
withdrawal must be
greater than: USD7,000
• Funded from standard
units only
• Minimum withdrawal:
USD350
• Unlimited withdrawals
allowed once payment
term is complete
Ideally, to get the best
out of a plan, clients
should only look to
access its value once
the payment term is
complete.
FLEXIBILITY

19. 19 REGULAR SAVINGS PLAN
ESTABLISHMENT PERIOD
• Applies from the start of
the plan
• During this period, each
regular payment made will
be identified as
establishment units.
• The establishment period
ranges from 18 to 24
months based on the
chosen payment term.
• Payments made after the
establishment period will
be identified as standard
units
PLAN
SETUP

20. 20 REGULAR SAVINGS PLAN
PLAN
SETUP
Payment term
(years)
Establishment period
(months)
5 to 18 18
19 19
20 20
21 21
22 22
23 23
24+ 24

21. 21 REGULAR SAVINGS PLAN
FLEXIBILITY
• Adviser reduces
establishment period by
giving up some/all initial
commission
• Each month is equal to a
percentage of the initial
commission
• Full commission give up
equals 4 month
establishment period
• Suitable for advisers
moving to a fee based
business model
• Provides flexibility to tailor
plan to clients
requirements
• Reduced establishment
period will have a positive
impact on plan values.
PLAN
SETUP

22. 22 REGULAR SAVINGS PLAN
PLAN
SETUP
Payment
Term (years)
Est Period Minimum
(months)
Est Period Maximum
(months)
5 to 18 4 18
19 4 19
20 4 20
21 4 21
22 4 22
23 4 23
24+ 4 24

23. 23 REGULAR SAVINGS PLAN
CHARGES
AND FEES
ESTABLISHMENT CHARGE
• Taken from the establishment units only
• Equal to 0.50% per month
• Based on the total value of establishment
units at the time the charge is taken
• The establishment charge is taken to help
cover the set up costs which may include
commission

24. 24 REGULAR SAVINGS PLAN
CHARGES
AND FEES
ADMINISTRATION CHARGE
• Taken during the life time of the plan
• Taken proportionally from both
establishment and standard units
• Equal to 0.125% per month
• Based on the value of the establishment
and standard units at the time the charge
is taken

25. 25 REGULAR SAVINGS PLAN
SERVICING CHARGE
• Taken during the life time
of the plan
• Taken from standard units
• USD7.00 per month
• Increases each year with
the Isle of Man retail price
index
• Will increase when
payments are suspended
during the term
CHARGES
AND FEES

26. 26 REGULAR SAVINGS PLAN
OPTIONAL FEES
• Agreed with client that can
be paid from the plan
• Financial adviser fee up to
1.0% per year
• Investment adviser fee up
to 1.0% per year
• Combined cannot exceed
1.5% per year
• Fees commence soon as
establishment period is
completed
CHARGES
AND FEES

27. 27 REGULAR SAVINGS PLAN
FUND
RANGE
• Offers access to over 180 funds (350+
with currency variants)
• Covering 24 sectors
• Choice of 6 different fund currencies to
help limit currency exposure including:
• 140+ USD funds
• 110+ EUR funds
• 75+ GBP funds
• No mirror funds
• No initial fund charges*
• No switching, dealing or custodian fees
• Invest in a maximum of 10 funds at any
time
• Clients with access to online fund
switching can hold more than 10 funds
* Ongoing annual management charges
reflected in fund manager unit prices

28. 28 REGULAR SAVINGS PLAN
SOME OF THE
MANAGERS

29. 29 REGULAR SAVINGS PLAN
CANCELLING
THE PLAN
DURING THE COOLING OFF PERIOD
• Clients get a 30 day cooling off period to
change their mind
• They get their money back unless the
funds they invest in have fallen in value.
• Same 30 day cooling off period applies to
any increases (Regular and Lump sum)

30. 30 REGULAR SAVINGS PLAN
CANCELLING
THE PLAN
AFTER THE COOLING OFF PERIOD
• A plan cancelled after the cooling off
period but during the establishment period
has no value
• For plans cancelled after the
establishment period but during the
payment term, an early exit charge will
apply
• The charge is a percentage of the
establishment unit value held when the
plan is cancelled
• The charge reduces on a sliding scale
the closer the payment term is to the end

31. 31 REGULAR SAVINGS PLAN
QUESTIONS?

32. 32 REGULAR SAVINGS PLAN
For financial advisers only. Not to be distributed to, nor relied on by, retail clients.
This presentation should not be relied upon in isolation, please consult our Regular Savings Plan product literature including the Product
Guide, Fund Guide, and Terms and Conditions before advising clients.
The information contained in this presentation is not intended to be relied upon as legal and/or tax advice. The impact of tax legislation
depends on individual circumstances and can alter in the future. We will accept no responsibility for any actions taken or not taken on the basis
of the information contained in this presentation.
Whilst any examples or cases studies highlighted may offer an opportunity for planning, they are not intended to provide an exhaustive
analysis of all the opportunities or pitfalls.
Owners of policies issued by RL360 Insurance Company Limited receive the protection of the Isle of Man Compensation of Policyholders
protection scheme, which covers an amount equal to 90% (subject to the provisions of the scheme) of RL360's liability where it is unable to
meet its financial obligations. RL360 reserves the right to adjust the returns to cater for any levy or charge made on it under the regulations or
similar legislation.
Issued by RL360 Insurance Company Limited. Registered Office: International House, Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles.
Registered in the Isle of Man number 053002C. RL360 Insurance Company Limited is authorised by the Isle of Man Financial Services
Authority.
PRES088
IMPORTANT
NOTES