Inversión
Premiere Europe Account
La estructura Premiere emitida desde dentro de la Unión Europea, para clientes que necesitan un contrato domiciliado en la UE por motivos fiscales o de residencia.
Trinity College, Dublín · Diliff, CC BY-SA 4.0
Para quién es
Clientes residentes en la UE presentados por un corredor, y casos transfronterizos
Qué hace
- Contrato domiciliado en la UE con la misma gama de activos de arquitectura abierta
- Se emite en EUR, GBP o USD
- Concebido para ser portable cuando la residencia del cliente puede cambiar
- Segmentado para planificar rescates parciales
El producto en detalle
The Premiere Europe Account is the same structure as the Premiere Account, written from within the European Union. For a client resident in an EU member state, or one whose residence may move within it, the domicile of the contract is not a technicality: it determines which state’s insurance rules govern the policy, how it is reported, and whether it is recognised as a life assurance contract at all in the client’s own jurisdiction.
Everything else is carried over. The open architecture asset range, segmentation up to 99 policies, multiple lives assured and the ability to assign segments all work as they do in the sterling contract. The currency can be euro, sterling or dollar, and the currency of the contract does not have to match the currency of the assets inside it.
Portability is the reason most of these cases are written. A contract that survives a change of residence without being surrendered avoids crystallising everything at the worst possible moment, which is what happens when a wrapper is not recognised in the country the client has moved to.
Documentación
La documentación de producto se facilita a los intermediarios acreditados. Pídala a su suscriptor o solicítela mediante el formulario de consulta.
- Documento de datos fundamentalesA petición
- Formulario de solicitudA petición
Cómo funciona
Qué ocurre, en orden
Desde la primera consulta hasta el momento en que la cobertura, el contrato o la línea queda en vigor.
Residence and domicile are established first
Where the client lives now, where they may live later, and what their own advisers say about recognition of the contract there. This is the decision the product exists for.
The contract is issued from within the EU
In euro, sterling or dollar, with lives assured and segmentation set at outset.
Assets are selected under open architecture
The same range as the sterling Premiere contract, dealt and held inside the wrapper.
Withdrawals are taken by segment
Encashing whole segments keeps the arithmetic clean across borders, which matters when two tax systems may look at the same contract.
Las cifras
Un ejemplo resuelto
Cálculos ilustrativos, para que la forma del producto se vea en lugar de describirse. Nada de lo que aquí figura es una oferta ni una proyección.
A €200,000 contract, and a €40,000 withdrawal
Segment arithmetic in euro. The same mechanism as the sterling contract, in the currency the client actually banks in.
- Single premium
- €200,000
- Segments issued
- 99
- Value per segment at outset
- €2,020.20
- Client needs
- €40,000
- Segments encashed
- 20
- Proceeds released
- €40,404
- Segments remaining in force
- 79
Illustrative, at outset values. The minimum premium for this contract is €120,000. Recognition and tax treatment in the client’s state of residence are matters for their own advisers, and they differ across the Union.
The contract after a €40,000 withdrawal
What is left in force, counted in policies rather than in money.
Segments issued at outset
99
- Segments remaining in force79 · 80%Untouched, and still invested
- Segments encashed20 · 20%Surrendered in whole to release €40,404
Ver estas cifras en una tabla
| Importe | Proporción | |
|---|---|---|
| Segments remaining in force — Untouched, and still invested | 79 | 79.8% |
| Segments encashed — Surrendered in whole to release €40,404 | 20 | 20.2% |
| Segments issued at outset | 99 | 100% |
Idoneidad
Dónde encaja Premiere Europe Account
Los casos que resuelve, los que no, y lo que un suscriptor necesita antes de tarificar.
Es la respuesta adecuada cuando
- An EU-resident client who needs an EU-domiciled life contract.
- A client whose country of residence may change within the Union.
- Cross-border cases where the sterling contract would not be recognised.
Conviene mirar otra cosa cuando
- A UK-resident client with no cross-border dimension — the sterling Premiere Account is simpler.
- Premiums below the €120,000 minimum.
Lo que necesitamos para tarificar
- 1.Evidence of residence, and the client’s own tax advice on recognition.
- 2.The contract currency, lives assured and segmentation.
- 3.Application, premium and source of funds evidence.
Preguntas
Lo que los corredores nos preguntan sobre este producto
Can the contract currency differ from the assets inside it?
Yes. The contract is denominated for reporting and settlement; the assets can be held in other currencies. The client carries the currency movement between the two.
What happens if the client leaves the EU?
The contract continues, but its treatment in the new country of residence is a question for advisers there. It is precisely the scenario to ask about before the bond is written, not after.
Is the asset range narrower than the sterling contract?
No. Open architecture applies in the same way, subject to the usual restrictions on what a life fund may hold.
Solicitar información
Consúltenos sobre Premiere Europe Account
El formulario llega a un suscriptor en Dublín. Si es intermediario, indíquelo y lo dirigiremos a la mesa de corredores.