Is a partial withdrawal available?
Ask about minimum remaining values, the treatment of investment units and any effect on policy benefits. Terms vary by product.
Existing plan review
Need to understand your withdrawal options?.
Explore the practical implications before accessing or exiting an investment plan. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Access & withdrawals 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.
We do not assume withdrawals are immediately available or cost-free. Eligibility, tax consequences and any charges require policy-specific checks.
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 liquidity and contractual restrictions
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Identify possible surrender charges or penalties
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Discuss alternatives before any irreversible instruction
Assessment depends on current documents, your objectives and the specific contractual conditions.
Before you request a payment
Valuation, withdrawal value and surrender value may differ.
Policies can apply different definitions and conditions when you request a partial withdrawal, premium holiday or full surrender. Do not assume the balance shown in a portal is the amount you would receive.
What would a full surrender cost?
Request a dated written surrender quotation and verify the currency, applicable charges and any processing conditions.
What about taxes and timing?
Tax treatment depends on personal residence and applicable law; settlement can also depend on the liquidity of underlying assets. Obtain appropriate professional advice before an irreversible instruction.
Read our policy valuation guide to understand why the displayed balance and cash available may not be identical.
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.
Booking is handled by Calendly. Its privacy terms apply when you load the calendar.
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.