Generali Worldwide Island Trust

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1 Generali Worldwide Island Trust Retirement planning for employees generali-worldwide.com In association with Legis Trust Limited

2 2 of 8 Generali Worldwide Insurance Company Limited Island Trust Retirement planning for employees Contents A LOCAL SOLUTION WITH GLOBAL STRENGTH... 3 AN IDEAL SOLUTION FOR RETIREMENT PLANNING... 4 HOW ISLAND TRUST WORKS... 5 ABOUT GENERALI WORLDWIDE... 6 SUPPORTING YOU AND YOUR EMPLOYEES... 6

3 Island Trust Retirement planning for employees Generali Worldwide Insurance Company Limited 3 of 8 A local solution with global strength Island Trust is an occupational pension plan delivered by an experienced local company, which has been a specialist employee benefit provider for over 30 years. A structured solution for effective retirement planning for companies of any size. A local Channel Islands tax-approved plan, which is beneficial to both employer and employees. Local Trust, Administration and Customer Service. Offers flexibility, within the regulations, to structure the plan to meet your needs. Investment options to suit your workforce. High-touch customer service to support the employer and the employee. Website access.

4 4 of 8 Generali Worldwide Insurance Company Limited Island Trust Retirement planning for employees An ideal solution for retirement planning Taking responsibility Providing for a financially secure retirement has always been an important priority for individuals. People today are living longer as health care standards have improved and, for many, retirement is seen as a time to enjoy more of the good things in life. On the other hand, the increased proportion of people at or approaching retirement age means that statesponsored schemes have been forced to become less generous in the benefits they offer. These factors have combined to heighten the awareness of the need to take personal responsibility for pension provision. Taking the initiative Employers in an island environment fully appreciate just how important it is to be able to attract and retain staff from the finite pool of labour that is available. Increasingly, the ability to offer a package that includes effective pension provision can allow companies to stand out from the competition, but finding a flexible and cost-effective solution hasn t always been easy. Introducing Island Trust Island Trust has been designed specifically to enable employers to provide their employees with a means to make effective retirement provision by incorporating it into a more rounded remuneration package. It offers a wide range of investment options and a flexible approach to contributions and payment of the benefits on retirement. In addition, it is approved by the Income Tax Authorities of both Guernsey and Jersey, which provides important tax benefits to both employers and their employees in each island.

5 Island Trust Retirement planning for employees Generali Worldwide Insurance Company Limited 5 of 8 How Island Trust works Expertise Island Trust has been developed by Generali Worldwide, a specialist insurer in the provision of employee benefits products and services across the world. Being established on Island as both an employer and provider has given us a comprehensive understanding of the needs of local employers. We can provide effective and efficient solutions, tailored to fit the needs of a wide range of businesses of all sizes, to help employers gain an advantage in an increasingly competitive employment market. Investment choice The performance of any investment plan can only be as good as its underlying investments. Island Trust brings you a choice of investment types to suit the diverse needs of your employees, whatever their age or financial knowledge. Our Funds and Investment Options are managed by some of the world s most reputable investment managers. Your employees can also benefit from our Deposit Administration Fund, which has the benefit of capital protection and a minimum guaranteed return. In addition, we also provide our Lifecycle Strategies. These are asset allocation models designed for those employees who do not have the time or knowledge to create and manage their own portfolio. Whereby Generali Worldwide will automatically adjust the employee s investment profile, between the asset classes, the closer the investor gets to retirement. Using a combination of these investment options, an underlying portfolio can be developed to adapt to employees needs. For more information on our funds, please visit our website: generali-worldwide.com Security and trust As well as the certainty of being in safe hands with Generali Worldwide, additional security is provided by the plan being written under trust with Legis Trust Limited. Legis has been providing trust services in Guernsey for over 20 years and brings a wealth of experience and expertise to the oversight of the plan to ensure that it operates within the agreed guidelines. Also offering peace of mind is the fact that Guernsey regulations require that we hold assets representing at least 90% of liabilities to policyholders in custody with an independent trustee.

6 6 of 8 Generali Worldwide Insurance Company Limited Island Trust Retirement planning for employees About Generali Worldwide Generali Worldwide, part of the Generali Group which has been present on the island for over two decades, specialises in providing insurance-based employee benefits products and services to both local and international companies. Our strength and expertise are evident in both our product range and our services. Our products reflect the nature of the individuals and companies we serve, whilst our services are delivered locally by experienced executives and professional staff from a wide range of disciplines. Generali Worldwide is a wholly owned subsidiary of Assicurazioni Generali S.p.A. and, therefore, part of the Generali Group. For nearly two centuries the Generali Group has been a leading global provider of insurance and financial services. Generali is a name that has become synonymous with security and reliability for millions of clients. The Generali Group has a truly global presence operating in more than 60 markets covering five continents. As one of the world s top 50 companies*, the Generali Group offers the strength and experience needed for financial peace of mind. Take a look at the facts and figures we think they speak for themselves: The Generali Group is one of the top 5 insurers in the world*. The Group has assets under management of over 480 billion**. A feature of the Generali Group has always been its financial strength and solidity. This is reflected in the independent financial ratings that key agencies assign to the Generali Group. * 2015 Fortune Global 500, based on 2014 revenues. ** For up-to-date information and key facts and figures, please refer to generali.com Supporting you and your employees Pensions and investments are specialist fields and Generali Worldwide will be on hand to assist you to get the most out of your plan. We will provide you with a designated Account Executive, with direct contact details, who will be based in Guernsey and will be available to assist the Human Resources team with the administration of the plan. Generali Worldwide also provides support and experience in assisting with your employee engagement programme. An Account Executive will carry out presentations to your employees to explain the benefits of their pension plan. In addition, we also provide web-based interactive tools to assist them with their decision making process.

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8 Registered Head Office address: Generali Worldwide Insurance Company Limited, Generali House, Hirzel Street, St Peter Port, Guernsey, Channel Islands GY1 4PA. Incorporated in Guernsey under Company Registration No T +44 (0) F +44 (0) EBInvestSales@generali-worldwide.com generali-worldwide.com Regulated in Guernsey as a licensed Insurer by the Guernsey Financial Services Commission under the Insurance Business (Bailiwick of Guernsey) Law, 2002 (as amended). Generali Worldwide Insurance Company Limited is part of the Generali Group, listed in the Italian Insurance Group Register under number 026. Websites may make reference to products that are not authorised or regulated and/or are not available for offering to planholders in certain jurisdictions.