Business Plans

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Because of various forms of investment instruments that are available for the placement of investment in unit-linked products, the risk of loss in investment should be bear by the policy holder. Adjust your financial goals and your tolerance for the risk of investment choices, so you will get the benefits that you expect optimally.

But clearly, unit link provides protection for the risk, which is the life risk. This means, if the investment holder dies, the heirs will still get the benefit of insurance. So basically, it is the same as insurance plus savings products. The different is, in this unit link, there are various selections of investment products.

Other advantage that distinguishes this unit link with the conventional insurance is generally the value of investments that have been collected can be taken at any time, as long as the remaining funds at least $500,00 USD.  This mechanism that is often applied to the unit-linked management companies.

In addition to that advantage, certainly, investors are also getting charge. This transfer costs are apply if you want to remove Porto folio or types of investments from one type to another type of link units. For example, from a diversified equity to fixed income. But these costs do not apply if the transfer occurs in the first year of investment. Whereas if the investments diversion is made in the following years, the investors will be charged about one percent of the value of investment funds.

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