Unit Linked Plan: Benefits

The Plan is structured as a whole-of-life insurance contract and so on the death of the life assured the value of the Plan plus a 1% addition is paid to your nominated designated beneficiary. The value of the Plan is determined by the number of units held and the price of a unit which is calculated by the fund manager. The value of the policy is not guaranteed and can go up or down over time.

If access to capital is required in part or in full at any time, we will permit the surrender or partial surrender of the Plan, without charge or penalty, provided that in the case of a partial surrender, the amount withdrawn is greater than Euro 10,000, *US Dollar 12,500, *Swedish Krona 100,000 or **Norwegian Krone 100,000 and the policy value after surrender is above Euro 50,000, *US Dollar 62,500, *Swedish Krona 500,000 or **Norwegian Krone 500,000.

*Handelsbanken Funds only.
**Storebrand and Delphi Funds only.

The Plan has two other benefits:

• Switch between Funds/Pools is currently possible without a charge and there is currently no minimum amount that can be switched.  
• It is possible to change the designated beneficiary during the terms of the policy.

Nordben reserves the right to introduce a switching charge, a minimum amount that can be switched between Funds/Pools. Nordben also reserves the right to amend the monetary amounts listed above.