With a traditional 5-year investment the investor maintains the same rate for the 5-year period. If rates go down, the investor maintains the
higher rate. If rates go up, the investor remains at the lower rate.
With the Guaranteed Rate Plan the investor can maintain the same rate with control over the guarantee period. If the individual
believe rates will go up, he or she can renew for one year. If he or she believes rates will go down, the investor can lock-in for a period of 2, 3 or 5 years.
How It Works - Guarantee Periods
Liquidity After the first plan year, you can redeem up to 10% of total investments, less any prior withdrawals and any associated
charges, in any plan year without charge.
Wealth Transfer Value - Redemption charges and interest rate adjustments are waived when the Wealth Transfer Value
Inter-Generational Wealth Transfer - A successor-in-interest may begin a new plan with the Wealth Transfer Value as the
1Payment of the Wealth Transfer Value is subject to the claims-paying ability of Old Mutual
(Bermuda) Ltd., the issuing company.
2Not available to residents or citizens of the U.S. or Bermuda.