MaxCap Principal+
A single-contribution plan linked to internationally recognized indices, with a principal protection feature at plan maturity.
- US $10,000 minimum lump-sum contribution
- Available in USD, EUR, and GBP
- Plan terms of 5, 7, or 10 years
- Up to 85%–100% principal protection at maturity
- Can hold up to five equity indices with global bond allocation
Product Details
| Features | Descriptions |
|---|---|
| Currency | USD, EUR, GBP |
| Minimum Contribution | US $10,000 lump sum |
| Investment Terms1, 2, 3, 7 | 10-year plan term · 100% principal protection at maturity |
| Annual Administration Charge4 | 0.133% monthly |
| Policy Fee4 | US $8 monthly |
| Structure Fee4 | Asset management fee: 0.167% monthly |
| Surrender Charge2, 5 | Equal to the remaining administration charges of the plan term at time of surrender, multiplied by a surrender factor of 1.5. |
| Free Partial Withdrawals2, 6 | Available provided the plan maintains a minimum surrender value of US $5,000. Minimum surrender amount: US $600. |
- Principal Protection is an insurance guarantee issued by M1 Specialty Assurance Ltd. It applies only at plan maturity and is subject to the continued solvency of the issuing insurer.
- Principal Protection is void if the plan is subject to policy loan, partial withdrawal, or surrender before maturity.
- A minimum 25% allocation to the Bloomberg Global Aggregate Bond Index is required. Up to five equity indices may be selected.
- Charges shown are current and may change.
- The Surrender Charge equals the remaining Administration Charges for the plan term multiplied by the applicable surrender factor.
- Partial withdrawals require a minimum surrender value of US $5,000 and a minimum withdrawal amount of US $600.
- Contributions are linked to selected indices. Participants do not directly own the underlying investments.
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