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Savings Plan:
DELIVERING CERTAINTY IN
UNCERTAIN TIMES

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WHAT IS AN INSURANCE SAVINGS PLAN?

There are now many ways to build, accumulate and protect wealth. Here at Charles Monat Associates, we combine both internal and external expertise to offer you suitable insurance solutions to meet your needs by bringing our extensive knowledge and experienced advisory so that you not only plan ahead to cater to your evolving needs, you’ll also protect what’s truly important.

OUR APPROACH

In times of uncertainty and market volatility, allocating a portion of your financial portfolio to insurance solutions with stable returns can assist in growing wealth in a more secure manner compared to alternatives such as investment in global or emerging markets which may be significantly affected by political or economic conditions and regulatory requirements. Such securities may be less liquid and more volatile. Considering an insurance savings plan as a supplement to other insurance plans and legacy-planning solutions allows you to counteract market uncertainty with a non-correlated asset that provides guaranteed* cash value and death benefit, along with the potential for further returns in the long term.

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An instrument which provides stable returns to balance and secure a financial portfolio.  

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Not a volatile or speculative asset class.

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Complements overall insurance portfolio to achieve wealth preservation, accumulation and transfer goals.

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Not a replacement to traditional life insurance protection strategy which focuses on providing high death benefit coverage for wealth and legacy planning.

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Conservative asset class coupled with guaranteed principal protection and capital growth potential in the long term.

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Not a short term high-yielding asset.

*Guaranteed herein specifically refers to the cash value and death benefit in the savings plan policy provided by the insurer. Charles Monat Associates makes no representation, warranty or guarantee on any insurance product or insurance provider.

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KEY BENEFITS AND FEATURES

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*Guaranteed herein specifically refers to the cash value and death benefit in the savings plan policy provided by the insurer. Charles Monat Associates makes no representation, warranty or guarantee on any insurance product or insurance provider.

Note: This section only provides general information on the common benefits and features of insurance savings plans. These may vary from plan to plan. All benefits and features described are subject to the terms and conditions of the policy contract issued by the applicable insurance provider.

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BEYOND LIFE COVERAGE

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In addition to mitigating mortality and longevity risk, an insurance savings plan can serve as a valuable wealth planning tool for the following purposes:

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WHO IS IT FOR?

High Net Worth Individuals (HNWIs) have different yet distinct needs. With the vast number of HNWIs becoming more sophisticated in their approach to wealth management, they think far beyond the life coverage that life insurance provides. These profiles are the ones we’ve identified whose needs can be well-supported, if not fulfilled by an insurance savings plan.

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CAPITAL PRESERVATION AND LIQUIDITY

For individuals seeking stable and relatively liquid product in their overall financial plan while minimizing the impact of market fluctuations. 

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ASSET

DIVERSIFICATION

For individuals looking to balance and/or diversify their wealth portfolio in the medium to long term.

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LONG TERM

FINANCIAL GOALS

For individuals looking to address long-term goals including wealth transfer, multi-generational planning, supplemental retirement income, future expense planning (e.g. education fund for children) and business planning.

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CASH-RICH

For individuals with high cash allocation in their portfolio and keen to deploy the excess cash to supplement wealth protection needs.

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SECURING LIFE

INSURANCE

For older aged individuals or individuals who are unable to secure life coverage due to poor health history or medical reasons.

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GIFT OF LOVE TO NEXT GENERATIONS:

For grandparents or parents looking to preserve while planning to pass on wealth to the next and future generations.

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FUTURE EXPENSE PLANNING CASE STUDY

For HNWIs, insurance solutions are not just for protection, but also to plan for long term liquidity and provide family wealth protection for dependents, spouses and children. Here is an illustration to show how an insurance savings plan can assist with a family’s future expense planning.

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Note: Figures quoted in the example are for illustration purposes only. Actual benefits payable are subject to the insurance policy contract and future performance of the participating fund managed by the insurance company. Timeline is not drawn to scale.

Savings Plan Terms & Conditions

Disclaimer
Charles Monat Associates may not be regulated in your country of residence, so by continuing to use this website, you acknowledge that certain protections and regulations do not apply. In no case may the content of these web pages be considered as a direct solicitation by Charles Monat Associates. Charles Monat Associates is an international life insurance broker with offices operating in a number of jurisdictions, namely Dubai, Geneva, Hong Kong, Labuan, Liechtenstein, Kuala Lumpur, Miami, Singapore, and Switzerland. The information contained herein is made only by the applicable entities below and residents of their particular jurisdictions, and you should check whether the information is applicable to your country of residence and circumstances as described. 


Singapore

Hong Kong

United States

Switzerland & Liechtenstein

Labuan/Malaysia

Dubai

All information contained within this website including any proposed services and products may not be eligible for sale or available to residents of certain countries or certain categories of investors, and is not directed at or intended for use by any person or resident located in any jurisdiction where (1) the distribution of such information is contrary to the laws of such jurisdiction or (2) such jurisdiction is prohibited without obtaining the necessary licenses or authorizations by Charles Monat Associates. Please refer to your applicable office location below for further information. More information about our respective office addresses, licenses or registrations can be found on our Business Description page.

Any materials or information available on the website has no regard to the specific investment objectives, financial situation, risk appetite, particular circumstances or needs of any specific recipient. The information herein is published for information purposes and is not to be construed as a contract of insurance, a solicitation, an offer or a recommendation to buy or sell an insurance product. Unless expressly stated otherwise, all policy values, returns or proceeds are for illustration purposes only. Actual benefits payable are subject to the insurance policy contract and future performance of the underlying insurance fund or investment account managed by the individual insurance company. Most insurance savings plans are long-term participating life insurance policies that provide both guaranteed and non-guaranteed benefits. The performance of the participating fund is affected by the investment return of the fund, the claims experience of the fund, the level of expenses incurred by the fund and the future outlook of the fund. These in turn affect the non-guaranteed benefits payable. Information on any product contained in this website only provides general information on the plan benefits and features, as well as possible use cases. These may vary from policy to policy. The precise terms and conditions, definitions, benefits, features and exclusions are specified in the policy and/or insurance documents (e.g. Policy Provision, Product Summary, Policy/Benefit Illustration or Policy Contract etc.) issued by the relevant insurance company to a particular client.

Nothing contained within this website constitutes investment, legal, tax or other financial advice, nor is it to be relied on in making a decision as to whether these products are suitable for you and your circumstances. Charles Monat Associates does not represent that the product(s) discussed within this website is suitable for any person. It is important to read and fully understand all applicable terms, conditions, exclusions and limitations of any policy before entering into any arrangement with an insurance company. We recommend obtaining relevant and specific professional advice before committing to purchase a policy. The information herein should not be regarded by recipients as a substitute for the exercise of their judgment. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy’s surrender value (if any) may be zero or less than the total premiums paid.

If there are any differences between the English, Chinese (TC & SC) and Spain versions of this text, website or advertisement, the English version will apply.  

Please refer to your respective office:
a)    Charles Monat Associates Pte Ltd (“CMA Singapore”)

CMA Singapore is licensed and regulated by the Monetary Authority of Singapore (“MAS”). This material has not been reviewed by the MAS and is only intended for Accredited Investors as defined under the Singapore Financial Advisers Regulations; no other person should act upon it. 

b)    Charles Monat Associates Ltd (“CMA Hong Kong”)
CMA Hong Kong is licensed and regulated by the Insurance Authority (IA).

c)    Charles Monat Associates LLC (“CMA USA”)
The content of this webpage is not for the use of CMA USA clients. The information published does not constitute an offer to sell or a solicitation of an offer to buy a security in any jurisdiction of the United States or elsewhere. U.S. persons or any Non-U.S. persons who are in the United States are not eligible to purchase the policy.

d)    Charles Monat Associates AG (“CMA Switzerland” and “CMA Liechtenstein”)
The content of this webpage is not for the use of CMA Liechtenstein clients. 

e)    Charles Monat Associates Limited (“CMA Labuan/Malaysia”)
CMA Labuan is licensed under the Labuan Financial Services and Securities Act 2010 (License No. BS2019128) and regulated by Labuan Financial Services Authority (“LFSA”). The content of this webpage is only intended for high net-worth Malaysian individuals as defined under the LFSA Guidelines. 

f)    Charles Monat Associates Limited (“CMA Dubai”) 
This financial promotion is issued by CMA Dubai. CMA Dubai is regulated by the Dubai Financial Services Authority (“DFSA”). This document is intended for Professional Clients or Market Counterparties only as defined by the DFSA and no other person should act upon it.

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