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Important Information

This is only a summary and general introduction to RL360 Oracle. You should speak to your financial adviser and read the RL360 RL360 Oracle literature suite before making an investment decision. We can only accept business that is introduced via a financial adviser.

Oracle - Features

Our lump sum investment plan that provides the opportunity to share in the exciting and potentially rewarding world of international investments.

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This page details some of the key features for an Oracle plan. Please read the Oracle Product Guide which can be found in our Oracle literature suite for more information.


Investments

  • Direct funds - no mirror funds
  • Access to over 350 funds from the leading fund managers
  • Benefits from a range of institutional discounts in place with a variety of fund managers
  • No dealing or custody charges
  • Appoint an Investment Adviser

Availability

  • Individuals over 18
  • Companies and Corporate Trustees
  • Lives assured maximum age 65*
  • *youngest life assured can be no older than 65 years at next birthday

Structure

  • Capital redemption or life assurance
  • Up to 100 segments
  • Choice of 7 plan currencies
  • Minimum USD 28,000 initial payment
  • Minimum USD 3,500 additional payment
  • Additional allocation based on payment amount
  • Up to 105% initial allocation as standard

Access

  • Regular withdrawals
  • One-Off withdrawals
  • Segment cancellation

Online

  • Plan information for clients and advisers
  • Dealing


The charging structure

There are a number of different ways to structure the charges associated with Oracle, you should discuss them with your financial adviser to see which suit your circumstances best. It is possible to structure charges differently between the initial payment and additional payments you might pay, so you can always benefit from the most appropriate set of charges.


There are two main elements to the charging structure: Establishment charge and Administration charge


Click on each heading below to reveal more...


Administration charge
  • 0.60% to 1.20% of plan value per year for the lifetime of the plan
Establishment charge
  • 0.00% to 7.50% of payment amount deducted over first 5 years
  • Charge reduces to 0% after end of year 5
  • Early exit charge applies if plan cancelled before end of year 5


Please remember to read the Oracle Product Guide which can be found in our Oracle literature suite for more information.

Important Information

This is only a summary and general introduction to RL360 Oracle. You should speak to your financial adviser and read the RL360 Oracle literature suite before making an investment decision. We can only accept business that is introduced via a financial adviser.