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The features of PIMS
PIMS is a highly flexible product and, as such, you should read the product literature suite in order to fully discover everything that PIMS has to offer; a summary is shown below.
Summary table
Choice of 6 policy currencies |
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Minimum premium GBP 50,000 or equivalent |
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Single life basis |
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Joint life last death basis |
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Up to 100 sub-policies |
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Personalised charging structure specific to your requirements can be created by your adviser |
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10 free dealing transactions |
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Defined investment range |
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Any investment subject to acceptance |
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Regular and one-off withdrawals |
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Investment adviser appointment |
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Discretionary manager appointment |
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Two paper-based valuations per year |
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Online client services |
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Online adviser services |
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Both PIMS Focused and Flexible are available in 6 different currencies including: Pounds Sterling (GBP), Euro (EUR), US Dollar (USD), Swiss Franc (CHF), Hong Kong Dollar (HKD) and Japanese Yen (JPY).
PIMS valuations will be provided every 6 months in the chosen policy currency, although investments linked to the policy can be denominated in any feely convertible currency.
The charging structure comprises of a number of elements that can be used singularly or in combination to craft the ideal solution for you. Further details about the elements can be found in The Facts. Your financial adviser can guide you as to the most suitable arrangement of elements to suit you requirements.
As a way of saying thank you for choosing Royal London 360° you will receive the first 10 dealing transactions on PIMS free of charge. That's an effective saving of GBP 200 (or currency equivalent).
Although PIMS Flexible opens up an almost unlimited investment choice, any investments will always be subject to acceptance by us. We have created a guidelines page that provides more information along with our Guide to Investment.
And because you just never know what is around the corner, you can conveniently access your PIMS policy at any time through a cash withdrawal. These can be set up on a regular basis for instance, monthly, or as a single lump sum when required. Certain minimums apply and these are detailed in The Facts.
All of the above features are covered in more detail in the product literature , and your financial adviser can confirm how these might benefit your circumstances now or in the future.
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