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Nucleus Life AG. The Intelligent Insurer. Nucleus Life AG – January 2012. Overview. The current environment Solutions Nucleus Life AG Liechtenstein. Slide 2. The current environment. Nucleus Life AG. The current environment. Pressure on banking secrecy, client data

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nucleus life ag

Nucleus Life AG

The Intelligent Insurer

Nucleus Life AG – January 2012

overview
Overview
  • The current environment
  • Solutions
  • Nucleus Life AG
  • Liechtenstein

Slide 2

the current environment

The current environment

Nucleus Life AG

the current environment1
The current environment
  • Pressure on banking secrecy, client data
  • Trusts, foundations, offshore companies under attack
  • Traditional tax havens under attack
  • EU withholding tax on savings
  • Lack of transparency
  • High charges

Slide 4

solutions required
Solutions required
  • Asset Protection
  • Flexible investment and planning solutions
  • Tax optimisation (not avoidance)
  • Efficient and flexible estate planning
  • Compliant solutions
  • Transparency

Slide 5

tax planning
Tax Planning

Not tax avoidance -

simply avoiding paying tax that will not arise if an investment is made using fully legal and compliant structures aimed at optimising tax.

Slide 6

solutions

Solutions

Nucleus Life AG

nucleus insurance solutions
Nucleus Insurance Solutions
  • Nucleus Fund Life (DE, AT, CH, BE, IT)
  • Nucleus Portfolio Bond (International)
  • Nucleus Asset Protector (International)
  • Customised solutions

Slide 8

nucleus asset protector
Nucleus Asset Protector

Free choiceofassets, custodianandassetmanager

  • Wide rangeofassets incl. non-listedandphysicalassets such aspropertyandgold (countryspecific)
  • Tax freeaccumulationof all incomeandgains
  • Nocapitalgains tax
  • Choice ofcustodianbank
  • Choice ofassetmanager
  • Single premiumaslowas €250‘000

Slide 9

nucleus portfolio bond
Nucleus Portfolio Bond

International solutions

  • Free choiceoffunds
  • Tax freeaccumulationof all incomeandgains
  • Nocapitalgains tax
  • Choice ofcustodianbankforpremiums > €100‘000
  • Single premiumaslowas €25‘000

Slide 10

nucleus fund life
Nucleus Fund Life

Special fundchoice

  • UCIT III fundsand ETFs
  • Tax freeaccumulationof all incomeandgains
  • Nocapitalgains tax
  • Single premiumaslowas €10‘000

Slide 11

slide12

NUCLEUS ASSET PROTECTOR

2nd FLOOR

NUCLEUS PORTFOLIO BOND

1st FLOOR

NUCLEUS FUND LIFE

GROUND FLOOR

Slide 12

slide13

NUCLEUS ASSET PROTECTOR

2nd FLOOR

NUCLEUS PORTFOLIO BOND

NUCLEUS PORTFOLIO BOND

1st FLOOR

NUCLEUS FUND LIFE

GROUND FLOOR

Slide 13

slide14

NUCLEUS ASSET PROTECTOR

NUCLEUS ASSET PROTECTOR

2nd FLOOR

NUCLEUS PORTFOLIO BOND

1st FLOOR

NUCLEUS FUND LIFE

GROUND FLOOR

Slide 14

asset protector key advantages
Asset Protector: key advantages

InvestmentExtreme flexibility in choice of investments (real estate, unlisted securities, physical gold, other assets e.g. yacht or an art collection)

Inheritance planning The policy (underlying assets) does not fall into the policyholder’s estate in event of death of the (last) insured person

Structuring Beneficiaries may be added and/or changed while multiple lives assured ensure continuity

Asset Protection 1 Protection in event of insolvency of the policyholder (depends on country)

Asset Protection 2 Protection in event of insolvency of life insurer – policyholder assets form a separate estate (regulated by law)

Tax optimisation No tax payable within policy – deferment of taxable event (can vary according to domicile of policyholder)

Slide 15

asset protector vs bank account
Asset Protector vs bank account

Same as bank:

  • Possible to retain the same custodian bank
  • Possible to retain the same asset manager and investment strategy

Better than a bank:

  • No EU withholding tax in Asset Protector
  • No tax on interest and dividends
  • Optimisation / deferment inheritance tax
  • Assets protected in event of insolvency of policyholder
  • Better structuring possibilities (beneficiaries)

Slide 16

life insurance vs trust
Life Insurance vs Trust

Exact same benefits as a Trust, just cheaper and more flexible:

  • Application form (Trust foundation documents)
  • Policy document (Trust Deed / By-Laws)
  • Policyholder nominates the beneficiaries (Board of the Trust)
  • Surrender of policy (liquidation of the Trust)
  • Policy can be pledged as security against a loan (not possible with a Trust)

Slide 17

nucleus insurance solutions1
Nucleus Insurance Solutions

Create yourownproduct – wecanhelpyouto:

  • Set upyourownfund
  • Create yourownbespokeproduct
  • White labelingpossible

Slide 18

nucleus life ag1

Nucleus Life AG

Nucleus Life AG

nucleus life ag2
Nucleus Life AG
  • Established in 2004 as niche player
  • Cross-border specialist
    • Compliant products DE, AT, BE, IT, International
    • Languages: English, German, Italian, French, Dutch
    • Shareholders:
      • Nucleus & Associates (Luxembourg)
      • Fork Capital (Belgium)
      • Plenum Holdings (Switzerland)
      • Strong – combined AuM > €1bn
      • Know-how – all active in insurance & distribution

Slide 20

liechtenstein

Liechtenstein

Nucleus Life AG

liechtenstein1
Liechtenstein
  • Stable: AAA-credit rating
  • European standards: member of the EEA
  • Cross-border market: freedom to provide services in EU / CH
  • Modern legislation: flexible insurance solutions
  • Strong regulator: European standards
  • Currency: Swiss Franc (CHF)
  • Capital: Vaduz

Slide 22

liechtenstein security
Liechtenstein - Security

Art 59a ofthe Liechtenstein Insurance Actstatesthatin event of insolvency of a life insurer, policyholder assets shall form a separate estate in accordance with the Art 45 of the Insolvency Act.

In eventofinsolvencyof a lifeinsurer all policyholderassestsarethereforefullyprotectedfromcreditors.

Slide 23

contact us
Contact us

Austria, Germany, Switzerland

Dr Bruno Geissmann: tel +423 399 10 90 bruno.geissmann@nucleus.li

Belgium

Jane Verblydt: tel +352 26 89 82 22 jane.verblydt@nucleus.li

Italy

Simone Lenherr: tel +423 239 96 83 simone.lenherr@nucleus.li

International

David Swanepoel: tel +423 239 96 86 david.swanepoel@nucleus.li

Slide 24

nucleus life ag3

Nucleus Life AG

Bangarten 10

FL-9490 Vaduz 

Liechtenstein

Tel   +423 399 10 90

Fax  +423 399 10 97

E-Mail info@nucleus.li

www.nucleus.li

Nucleus Life AG