Unit-linked life insurance policies are a strategic wealth planning tool for high net worth individuals seeking cross border wealth protection, flexibility, and smooth, efficient wealth and succession planning within a compliant framework.
Our Solutions
Designed with flexibility at their core, our solutions serve as strategic tools to help high-net-worth individuals and their families protect, grow, and pass on their wealth across generations.
We shape our solutions around our clients’ specific needs and circumstances, including long-term goals, growth expectations, and risk tolerance.
Unit-linked life insurance - a valuable tool for wealth planning
Octium’s solutions can be structured as whole of life or fixed term and can include either standard or enhanced death benefit options, as well as premium protection feature, depending on the local offering.
Key Benefits
From asset protection and flexibility to cross-border portability and tax efficiency, Octium's solutions are designed to address the complex needs of high net worth individuals and their families.
01
Policyholder and asset protection
Policyholder and asset protection
Underlying assets are protected from creditors’ claims and segregated from the insurer’s own assets, ensuring a high level of security.
Octium is a financially sound cross-border life insurance group.
02
Flexibility
Flexibility
Life insurance solutions are highly flexible, allowing clients to adapt them to their needs and circumstances.
They can be combined with other structures such as trusts and foundations, making it a versatile wealth planning tool.
03
Wealth transfer and succession planning
Wealth transfer and succession planning
These policies are designed to ensure a seamless and immediate transfer of assets upon death of the insured person. They also offer the option to enhance the death benefit for greater protection.
Beneficiaries can be appointed confidentially and changed at any time.
04
Underlying investment
Underlying investment
Policyholders have access to a wide range of investment options, which are professionally managed by a selected range of asset managers.
They have the flexibility to choose their preferred strategy, with the option to modify it at any given time.
05
Mobility
Mobility
Recognized across the EU and internationally, life insurance policies allow the transfer of beneficial ownership across borders.
This makes it suitable for mobile or global clients.
06
Privacy
Privacy
Life insurance policies ensure privacy and offer simplified reporting obligations, while remaining in scope of the Automatic Exchange of Information (AEOI) framework.
07
Regulatory Compliance
Regulatory Compliance
Compliant with all applicable laws, life insurance policies offer a secure and reliable way to hold and manage assets abroad.
08
Taxation
Taxation
Life insurance policies provide multiple benefits, including tax deferral during the investment period, no tax on premiums and Irish VAT exemption (4th schedule) on asset management and custody fees.
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