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Unit Linked Savings Plan

PUTTING YOU IN CONTROL - The Unit Linked Savings Plan can help make your future more rewarding. You have complete independence and control to tailor the plan to suit your personal circumstances:

  • Control - you decide how much to save, even opting to change the amount in the future. You also decide where to invest.

  • Flexibility - you can increase or decrease your contributions, stop for up to 5 years, then start saving again.

  • Freedom - no matter what your work or life circumstances might be, the Unit Linked Savings Plan will continue to work for you because it is in your name and for your own benefit.

  • Choice - Although the minimum term of the plan is 10 years, you are free to decide at what age you would like to access your plan’s benefits.

  • Independence - the Plan is designed to pay you a lump sum to spend or invest as you wish.

Plan Description

The Unit Linked Savings Plan is a long term regular contribution savings plan, offering you a choice of different investments as well as the MAPFRE MSV Life With Profits Fund.

It allows you to save on a regular basis and to invest a lump sum at anytime in the future. The value of the Policy is linked to the value of the underlying investments of your choice.

It's Aims

  • To build up a sum of money which is available as a lump sum.

  • To help your financial future cope with changes in your personal and financial circumstances.

  • To offer you a wide and flexible choice of where to invest your savings.

  • To provide a cash sum to your wife, husband or dependant(s) should you die before taking benefits.

Your Commitment

  • To make regular savings for the life of the Policy. Your employer can also make savings on your behalf.

  • To keep the Policy invested until you choose to take your benefits.

  • To invest for the long term and to review your contributions on a regular basis.

Risk Factors

  • The underlying investment funds, in which you can choose to invest your contributions, have different levels of risk.

  • Past performance of funds is not necessarily a guide to future performance and the value of your Policy is not guaranteed.

  • The value of funds and the currency in which they are denominated may go down as well as up and you may not get back your original investment.

  • The maturity value may be less than illustrated if:

  • You or your employer stop saving into the Policy, or reduce contributions.

  • Investment performance is lower than illustrated.

  • You take your benefits earlier than your selected maturity date.

  • Tax rules change.

  • Charges increase above those illustrated.

ROCS Company Limited is an enrolled Tied Insurance Intermediary under the Insurance Distribution Act, Cap 487 of the Laws of Malta for MAPFRE MSV Life p.l.c.. MAPFRE MSV Life p.l.c.(C-15722) is authorised under the Insurance Business Act, Cap 403 of the Laws of Malta. Both entities are regulated by the MFSA.

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