What does the valuation represent?
Compare current units and underlying funds with contributions, withdrawals and any separate surrender figure shown in your paperwork.
Existing plan review
RL360 investment plan review.
Understand your existing RL360 plan before deciding what to do next. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official RL360 website · Terms and availability depend on your contract
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Your starting point
Understand what you already have.
Existing international savings and investment plans can have different charging structures, investment choices and contractual terms. A structured review begins with the actual plan documents and latest valuation.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
A plan-specific discussion
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Review focus
Three areas worth exploring.
01
Review your current funds and overall allocation
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Understand plan charges and policy terms
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Explore servicing and adviser arrangements
Assessment depends on current documents, your objectives and the specific contractual conditions.
RL360 policy questions
What should you check before changing anything?
An RL360 review should distinguish the fund valuation from any amount actually available on withdrawal. If you have a regular-contribution plan, the premium schedule and contractual charging period may also matter. Start by identifying the exact product and its issue date.
What happens if premiums change?
Where your particular policy permits premium changes or holidays, check the contractual consequences and charges before assuming flexibility.
Can servicing be changed?
Review the current adviser-of-record arrangement and ask the provider what documents, authority and limitations apply to an adviser change.
Documents that make a review more useful
Latest valuation, original policy schedule, payment history and the product-specific charges and conditions.
You can read our guide to understanding a policy valuation before sharing a statement.
Can I review my RL360 plan without cashing it in?
Yes, a document review can take place without a surrender instruction. Any subsequent changes depend on the policy and provider rules.
For questions about your current adviser, see financial adviser second opinions.
Already know your provider?
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.
Take the next step
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.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
Choose a convenient time
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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Frequently asked
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.