infinity Flexible savings and investment solutions

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1 infinity Flexible savings and investment solutions

2 Union Insurance has been providing innovative financial products and services for our clients since We are licensed by the UAE Insurance Authority and listed on the Abu Dhabi Securities Exchange.

3 WORKING IN UNION We have joined forces with Hansard to deliver Infinity, a choice of two flexible saving and investment products that provide you with access to a range of funds managed by some of the world s largest and most reputable asset management companies. Hansard has over 30 years of experience in administering investment contracts and providing excellent customer service to over 40,000 contract holders across the globe. Fundamental to its success is its market-leading online administration platform, which provides you with access to a wealth of secure, personalised contract data and fund research tools to assist you in monitoring your Union Insurance contract 24/7. Hansard International is part of the Hansard Global plc group, which has been listed on the London Stock Exchange since 2006 and has over $1bn in assets under administration 1. More information about Hansard International is available on request, or via hansard.com 1 as at 1 June 2016

4 with paid-up capital of over aed 330 million 2, we provide a comprehensive range of retail and commercial insurance products to clients in the uae and the middle east region. [ as at 1 August [

5 achieving your aspirations you may be planning to buy your ideal holiday home in the sun, or maybe buy the yacht or sports car that you have always desired. you may be looking forward to an active, rewarding and fulfilling retirement, safe in the knowledge that you are financially secure. we all aspire to certain goals and ambitions You may want your children to receive a first class education, or maybe you simply want an emergency fund for a rainy day. We can provide flexible, affordable products that are designed to meet your investment needs, to support your goals in the future. So, how do you get the best from your investments, to turn your aspirations into reality?

6 the importance of professional advice every individual s financial situation is unique. with such a wide range of financial products and services and unlimited asset types to choose from, making a clear, long term financial plan is no easy task. specialist advice is therefore essential. By identifying and prioritising your personal objectives and discussing your individual circumstances, your financial advisor can assist you in developing and implementing a strategy to help you achieve your goals. Your financial advisor can also assess your attitude towards risk, identify what products are available and evaluate their suitability to your circumstances. Once you have decided to implement your plan, you should ask your financial advisor to assist you in monitoring progress and providing ongoing service if your situation changes over time.

7 how our products work for you through discussion with your financial advisor, you will decide which of our Infinity products is most suitable for you. Over the long term, investing in a diversified portfolio of assets will increase the potential for higher returns, when compared to investing in cash, particularly in a low interest environment. However, researching, choosing, trading and monitoring the performance of individual financial instruments can be expensive and time consuming. An Infinity contract from Union Insurance can simplify this process, linking to funds managed by a number of the world s leading asset management companies in one place, allowing for easy administration. You should be aware, however, that the value of investments linked to the contract can go down as well as up. You may also get back less than you originally invested.

8 time, not timing... our products are designed as medium to long term contracts (typically five years upwards) and can help you in achieving your financial goals. this may be saving for a more fulfilling and secure retirement, long term care or simply for further wealth creation. With the right kind of product and suitable unit funds held within your Union contract, you could benefit from the potential growth in markets around the world.

9 benefit from the right product for you infinity wealth Regular contribution contract Designed for medium to long term saving Access to a range of unit funds infinity access Flexible single and regular contribution contract Minimum contracted contribution can be spread over three years Access to a range of unit funds [ The suitability of these products will depend on your personal circumstances, attitude to risk and your time horizon. Further information about these products is available from your financial advisor. [

10 your contract details at the touch of a button we appreciate that your savings and investments are important to you, and that you will want to monitor the performance of your union insurance contract when it suits you. Hansard has built an enviable reputation for technological excellence, providing solutions via its market-leading online platform, Hansard Online. Hansard Online is a secure, multi-lingual platform where financial advisors generate over 2 million personalised reports for their clients each year, with over 90% of regular contribution business being submitted via its straight-through online new business tool. You will have access to your own personal, secure and multi-lingual Online Account, enabling you to track the performance of your contract online. Accessing your Online Account is simple, via your mobile or tablet device, enabling access on the go, wherever you are in the world. You will be automatically invited to sign up to your Online Account when your contract is issued. Alternatively your financial advisor can assist with registration.

11 your choice... an exceptional selection of assets and optional benefits to choose from an exceptional range of unit funds are available to you, providing access to a range of asset classes with various geographical and industry options. These unit funds are managed by some of the world s leading asset managers including BlackRock, Franklin Templeton, Emirates, Fidelity, and many others. The extensive selection of investment choices means that diversification of your portfolio is easily achievable. optional benefits-protection against the unexpected You can add an extra, optional benefit to some of our regular contribution life assurance contracts to protect those you love and who depend on you. A guaranteed life insurance sum assured allows you to choose an amount of additional life insurance to protect your dependants or complete your savings plan should you die before the contract matures.

12 our commitment to you We offer individuals, corporates and government entities a wide array of insurance products that provide better risk coverage combined with a customer experience which is friendly, reliable and efficient. Our focus on innovation is powered by a technical team of highly skilled and experienced professionals, while our commitment to relationships is built on trust and openness. In this way, we deliver value-added insurance products and services that help protect our clients around the clock and all year long. people focused Distinguished by our focus on our people, we nurture a corporate culture that encourages teamwork and a cooperative environment that values the contribution of over 250 professionals working at the firm. This environment delivers better customer-focused and personalised service. In addition to this focus on customer care, Union has developed its claims processes and paperwork to be as quick and simple as possible.

13 technical team experience, knowledge and strong structuring capabilities to the development of new and enhanced insurance products. Well aware of the ever-changing market and risk environment, the firm employs a team of professionals who have completed their Associateship of the Chartered Insurance Institute (ACII). They bring experience, knowledge and strong structuring capabilities to the development of new and enhanced insurance products. Because this team is in-house, we can confidently provide you with accurate quotes every time.

14 Important notes This document is produced for general information purposes only. Before applying for any product, you should read the product literature. Union: uses reasonable efforts to ensure that the information contained in this document is accurate at the date of publication; does not offer any minimum return guarantee, therefore the amount you get back from your contract may be lower than the contributions paid; does not provide advice on the suitability of any products; Tax consequences will depend on an individual s circumstances and residence, and may change over time. Applicants are advised to seek professional advice before applying for any product or if their tax circumstances change during the contract term. Past performance is not a guide to future performance. Unit prices can go down as well as up. Unit price performance may be affected by movements in exchange rates. For full details of the product, please refer to the product literature. WORKING IN UNION Union Insurance P.S.C Single Business Tower, Sheikh Zayed Road PO Box: , Dubai, UAE Toll Free: 800 UIC4U (84248) or +971 (04) Website: unioninsurance.ae Registered under the Insurance Companies Agents Law No 6 for 2007 (Licence No.67) The details described in this document are governed by and shall be construed in accordance with the laws of the United Arab Emirates.

15 Union Insurance P.S.C Single Business Tower, Sheikh Zayed Road PO Box: , Dubai, UAE Toll Free: 800 UIC4U (84248) or +971 (04) Website: unioninsurance.ae Registered under the Insurance Companies Agents Law No 6 for 2007 (Licence No.67) The details described in this document are governed by and shall be construed in accordance with the laws of the United Arab Emirates. U /02/17