Do you understand your plan’s fees and performance?.
Separate fund results, plan costs and your actual investment experience. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Fees & performance website · Terms and availability depend on your contract
Understand what you already have.
A meaningful performance review considers cash flows and timing. A fund return alone does not describe a policyholder’s net outcome.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Three areas worth exploring.
Review contributions, withdrawals and current valuation
Assessment depends on current documents, your objectives and the specific contractual conditions.
Examine disclosed charges and fund costs
Assessment depends on current documents, your objectives and the specific contractual conditions.
Compare the portfolio with your goals and risk tolerance
Assessment depends on current documents, your objectives and the specific contractual conditions.
Why a fund return is not your personal net return.
A plan can show positive underlying fund performance while the overall policyholder experience is different. Timing of contributions, withdrawals, currency movements and different layers of charges can all affect the result.
Start with the cash flows
Gather dated premiums, top-ups and withdrawals alongside the current valuation. Comparing only the starting and ending balances may confuse new contributions with investment growth.
Separate the layers of cost
Look for fund-level expenses, policy administration charges, any investment platform costs and advisory charges. Verify which amounts are actually charged to your contract.
Ask for an appropriate comparison
Consider net performance over a meaningful period and a benchmark consistent with the portfolio's risk and asset allocation. A comparison with an all-equity index can be misleading for a mixed-asset portfolio.
See how to read a policy valuation before interpreting the account balance.
Go directly to a review page tailored to your existing plan.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Prefer to speak with us?
After sending your details, book your free review call directly on this page. You can choose a time that suits your time zone.
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Expat Wealth Desk · Review Call
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Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.