Hollard Safe and Secure
Hollard Safe and Secure guarantees part of your capital, while exposing the balance to the market.
Our Safe and Secure is a combination of 5 unit-linked endowment policies
The Hollard Safe and Secure Plan is a five-year endowment offering an investment into a guaranteed portfolio and into available linked portfolios. This allows you to guarantee part of your capital, while exposing the balance to the market.
How Safe and Secure works
As part of Hollard's secure investments, Safe and Secure consists of a combination of five unit-linked endowment policies, each of equal value. Each has an investment into a guaranteed portfolio and an investment into any of the available linked portfolios. Each sub-policy has an investment term of five years and an underlying guarantee.
Here is an illustration of how Safe and Secure works:
These figures are for illustrative purposes only
Minimum investment R100,000 (min per sub policy R20,000)
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Features and Benefits of Safe and Secure
|Features and Benefits||Product Details|
|Tax Implications||The value of the account is subject to taxation according to the "Four Funds" tax approach that applies to South African long-term insurers. Policy proceeds are paid out tax-free to the original policyholder.|
|Death Benefits||On the death of the life assured, a death benefit will be paid out to the beneficiaries, equal to the sum of the death benefit for the linked portfolios and the death benefit for the guaranteed portfolio.|
|Access to Capital||During the initial 5 years of the investment term, you may do a partial or full surrender per sub-policy. (Please note: only one surrender is permitted.) Surrender charges will apply on a time-based scale. After 5 years you may encash from your investment without restriction.|
|Other Product Features||
What will it cost?
|Product Detail||Product Charge|
|Annual Product Charge||0.50% (on the linked portion only)|
|Capital Gains Tax||5%|
|Advisor Initial Commission||Maximum of 3% (excluding VAT)|
|Annual Advice Fee||Maximum of 1% (excluding VAT & only applicable to linked portion)|
|Underlying Fund Fees||Charged separately|
|Policy Year||Surrender Charge|
Safe and Secure FAQs
Find out everything you need to know about Safe and Secure.
|Policy Year||Surrender Fee|
Surrender fees will be deducted prior to the payment of proceeds to the policyholder.
The death benefit will be equal to the sum of the death benefit for the linked portfolios and the death benefit for the guaranteed portfolio.
Please note: If you proceed with a part-security cession on any of the sub-policies, both the policyholder's and the cessionary's signatures will be required to surrender, encash and/or switch within the policy.
Select and complete the form of your choice
- Select the relevant form from the list below.
- If you are completing an Investment Application form, please appoint a Financial Advisor. Applications for this investment will not be processed without a Financial Advisor being appointed. Your Financial Advisor will be required to request a valid quote from Hollard Investments for all new applications.
- Print and complete the form.
- Attached all required documentation, including FICA documentation (for new investment applications).
- E-mail or fax the completed form to email@example.com or +27 11 351 3816.
- Tel: 0860 202 202
- Email: firstname.lastname@example.org
- Fax: +27 11 351 3816
- For compliments and complaints, please fill in the form below.
Please fill out our simple form and we will contact you shortly.