PREMIER Services Limited

As a tied insurance intermediary for Middlesea Valletta Life Assurance Co. Ltd, we can provide you with a variety of plans:

Protection Plan Assurance

This policy is issued for a specific period of time known as the insurance period and for a pre-determined sum assured or death benefit.  On the death of the life assured within the insurance period the death benefit is paid.  Should the life assured survive the period then nothing will be paid.  A Protection Plan Assurance policy can be used to protect:

• A bank loan whether a mortgage or business loan
• Your family
• Your business

Whole of Life Assurance

A Whole of Life Policy remains in force until you die.  It is therefore mainly used to provide families with financial security when the term of cover needed is not known.  Uses for this type of policy include:

• Protection for the family
• Protecting your assets
• Funding for the Capital Transfer Tax following death (on inheritance)
• Protecting your business

There are two versions to this type of policy: Fixed and With Profits.

Loan Protection Plan

With this plan you pay a fixed premium, and the sum assured will gradually reduce in line with the amount of the amount of the loan outstanding over the term.  The sum assured is paid if death occurs.  The main benefits of this policy are:

• The reducing life cover means that the cost for this cover is lower than that of a Protection Plan assurance.
• Assured protection for your home - the sum assured will pay off the outstanding amount of your mortgage should you die.

Comprehensive Flexi-Plan

The Comprehensive Flexi-Plan is a product that adjusts to your needs....protection when you most need it, savings when you can afford to invest and retirement planning to secure your future.  This policy provides for the payment of a lump sum (the maturity value) on a pre-determined date.  This type of policy will also pay should death occur before the end of the period of assurance.  The main use of this policy is that of:

• A savings plan
• A means of retirement planning

Single Premium Plan

The MSV Single Premium Plan is a 'With Profits' life assurance savings plan.  It is a way of providing medium to long-term savings for a single lump sum investment.  The minimum investment is Lm 1,000 (€ 2,329.37) but you can make regular top-ups throughoutthe terms of the Plan.  It is recommended that only investors who are prepared to hold the plan for a minimum of 5 years should consider the MSV Single Premium Plan.  The main benefits of this Policy are:

• Excellent potential for a tax efficient Capital growth investment
• Life cover (conditions apply)
• The option to make partial withdrawals of capital
• The option to withdraw bonuses after the first year of the terms of the Plan 
• Peace of mind through a traditional and reliable way of investing 

The Baby Bond

The Baby Bond has been designed for parents to help them save for their children's future.  This policy which is issued on the life of the parents, is for a fixed period of time and gives the parents the opportunity to include more than one child under the baby bond option.  This product is a 'with profits' policy and the maturity value paid at the end of the policy period will include the bonuses declared by the company during the term of the policy.  Main benefits are:

• Receive a lump sum on maturity
• Ownership remains with the parents

The Child Policy is a similar savings plan but can be transferred to the child at the age of 18.

The Maximum Investment Plan

This Plan is a regular premium unit-linked policy which has been designed to give you the opportunity to decide where to invest your premium.  Select from over 50 Fidelity and La Vallette funds - the choice is yours.  At a glance, this Policy offers you:

• A choice of life cover level
• Investment in funds of your choice
• Managed portfolio services of Fidelity

The MSV Investment Bond

This policy offers you the possibility to balance your investment.  It is a whole of life single premium life assurance policy linked to the value of investments.  The MSV Investment Bond has been tailored specifically for investors who wish to invest in the stockmarket but at the same time are not keen on taking high risks.  You can diversify and balance your portfolio through an investment choice from:

• Investment Funds managed by Fidelity Investments and Valletta Fund Management (VFM) and
• MSV With-Profits Fund that effectively provides capital protection

The New MSV Retirement Plan

Planning for your retirement is one of the most important financial decisions you will undertake.  It is important to start saving now to be able to enjoy your retirement without financial worries.

The New MSV Retirement Plan is a flexible savings plan designed to build a pot of gold which you can use to supplement your state pension.  The plan includes a range of funds that can satisfy different investment needs. 

This plan which is specifically designed with your retirement in mind, provides:

• Saving flexibility to cope with changing lifestyles
• Wide choice of investment options to meet all needs