While your policy is in effect, any premium received by us, after deducting the premium charges, will be used to create units of the relevant Investment Funds according to your fund allocation instruction. The units of the relevant Investment Funds will be created based on the unit price of the Investment Fund on the valuation date immediately following receipt by us of the premiums in cleared funds.

  • No. Returns on the investment fund/s are not guaranteed. However, research has confirmed that stocks – and in particular, equity funds – go up in value over time for investors who are prepared to buy and hold for a period of time (e.g. 5-7 years).

While you will bear the risk associated with your chosen investment fund, it will also provide you with the opportunity to take advantage of growth in the economy.

An additional premium that a variable life policy owner can add to his policy to buy additional fund units.