THE GUARANTEED RATE PLAN

THE PLAN OFFERS
  • Bermuda trust participation
  • A variety of interest rate guarantee periods from which to choose
  • Ability to renew options for the same guarantee period or other variable periods
  • A higher interest rate for investments of US$ 1,000,000 or more
  • Liquidity options
  • Wealth Transfer Value
THE PLAN AT A GLANCE
  • Issue ages: 0-85
  • Minimum investment: US$ 50,000
  • Maximum investment: US$ 5,000,000, which may be exceeded with company approval
  • Option of 1-, 2-, 3- and 5-year guarantee periods. (Interest rate is the same for all periods.)
  • Interest rate adjustment can be positive or negative, depending on the direction of rates if liquidated before the maturity date of the guarantee period.
UNDERSTANDING RATE OPTIONS
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
GRP Graph
The interest rates shown are hypothetical and should not be viewed as an indicator of future rates.
ATTRACTIVE LIQUIDITY OPTIONS
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.

Plan Year 1 2 3 4 5 6 7 8 9
Redemption charge 7% 7% 6% 4% 2% 0% 0% 0% 0%
No redemption charge after the fifth plan year; however, an interest rate adjustment may apply if redemptions are made prior to the end of a guarantee period.
WEALTH TRANSFER BENEFITS
Wealth Transfer Value - Redemption charges and interest rate adjustments are waived when the Wealth Transfer Value becomes payable1
Inter-Generational Wealth Transfer - A successor-in-interest may begin a new plan with the Wealth Transfer Value as the initial investment.1,2
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.

Guaranteed Rate Plan fact sheet

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