Our executive board and management team are appreciative of long-standing traditions yet embrace innovation. Youplus recognises the need for reliable and flexible insurance-based solutions to solve the often complex wealth and estate planning needs of individuals and families. We place great value on exceptional client service, transparency and utmost discretion.
Youplus is committed to providing advanced, tailormade, insurance-based solutions to individuals and families throughout Europe and beyond, enabling them to establish and maintain a strong, yet flexible, fundament for their and their family’s financial future. Globally-mobile families appreciate the ability to utilize a well-functioning structure, which remains in effect when moving from country to country.
A PPLI policy is funded by a single premium, paid and held in a currency of choice. The single premium is invested in an underlying investment account in a suitable investment strategy taking individual risk appetites, goals and preferences into consideration.
The account can include almost every kind of bankable asset. The investment account is held at a reputable custodian bank in a segregated account, subject to anti-money-laundering regulations. A designated asset manager of choice manages the investments in the account. Income generated is re-invested during the duration of the policy. At anytime, the value of the policy equals the value of the underlying assets without a guaranteed performance by Youplus. As required, a death risk benefit is included in the policy.
The investments held within the policy’s underlying account are not subject to the investment restrictions of many countries and therefore, a broad universe of investment options are available.
Upon request, Youplus can delegate the asset management of the underlying account to a trusted, highly-qualified and experienced asset manager.
The duration of the policy is determined in advance, but remains flexible. Benefits are paid out as a pension, a lump-sum or passed on to the beneficiaries. Additional funds can be added to the policy at any time. Partial withdrawals and full surrender of the policy are also possible at any time.
PPLI is a straightforward structure, easy to establish according to an individual’s or family’s specific requirements.