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Nucleus Life AG – January 2012 Nucleus Life AG The Intelligent Insurer.

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Presentation on theme: "Nucleus Life AG – January 2012 Nucleus Life AG The Intelligent Insurer."— Presentation transcript:

1 Nucleus Life AG – January 2012 Nucleus Life AG The Intelligent Insurer

2 Slide 2 Overview The current environment Solutions Nucleus Life AG Liechtenstein

3 Nucleus Life AG The current environment

4 Slide 4 The current environment Pressure on banking secrecy, client data Trusts, foundations, offshore companies under attack Traditional tax havens under attack EU withholding tax on savings Lack of transparency High charges

5 Slide 5 Solutions required Asset Protection Flexible investment and planning solutions Tax optimisation (not avoidance) Efficient and flexible estate planning Compliant solutions Transparency

6 Slide 6 Tax Planning Not tax avoidance - simply avoiding paying tax that will not arise if an investment is made using fully legal and compliant structures aimed at optimising tax.

7 Nucleus Life AG Solutions

8 Slide 8 Nucleus Insurance Solutions Nucleus Fund Life (DE, AT, CH, BE, IT) Nucleus Portfolio Bond (International) Nucleus Asset Protector (International) Customised solutions

9 Slide 9 Nucleus Asset Protector Free choice of assets, custodian and asset manager Wide range of assets incl. non-listed and physical assets such as property and gold (country specific) Tax free accumulation of all income and gains No capital gains tax Choice of custodian bank Choice of asset manager Single premium as low as 250000

10 Slide 10 Nucleus Portfolio Bond International solutions Free choice of funds Tax free accumulation of all income and gains No capital gains tax Choice of custodian bank for premiums > 100000 Single premium as low as 25000

11 Slide 11 Nucleus Fund Life Special fund choice UCIT III funds and ETFs Tax free accumulation of all income and gains No capital gains tax Single premium as low as 10000

12 Slide 12 NUCLEUS FUND LIFE NUCLEUS PORTFOLIO BOND NUCLEUS ASSET PROTECTOR GROUND FLOOR 1 st FLOOR 2 nd FLOOR

13 Slide 13 NUCLEUS FUND LIFE NUCLEUS PORTFOLIO BOND NUCLEUS ASSET PROTECTOR GROUND FLOOR 1 st FLOOR 2 nd FLOOR NUCLEUS PORTFOLIO BOND

14 Slide 14 NUCLEUS FUND LIFE NUCLEUS ASSET PROTECTOR GROUND FLOOR 1 st FLOOR 2 nd FLOOR NUCLEUS PORTFOLIO BOND NUCLEUS ASSET PROTECTOR

15 Slide 15 Asset Protector: key advantages InvestmentExtreme flexibility in choice of investments (real estate, unlisted securities, physical gold, other assets e.g. yacht or an art collection) Inheritance planningThe policy (underlying assets) does not fall into the policyholders estate in event of death of the (last) insured person Structuring Beneficiaries may be added and/or changed while multiple lives assured ensure continuity Asset Protection 1 Protection in event of insolvency of the policyholder (depends on country) Asset Protection 2 Protection in event of insolvency of life insurer – policyholder assets form a separate estate (regulated by law) Tax optimisationNo tax payable within policy – deferment of taxable event (can vary according to domicile of policyholder)

16 Slide 16 Asset Protector vs bank account Same as bank: Possible to retain the same custodian bank Possible to retain the same asset manager and investment strategy Better than a bank: No EU withholding tax in Asset Protector No tax on interest and dividends Optimisation / deferment inheritance tax Assets protected in event of insolvency of policyholder Better structuring possibilities (beneficiaries)

17 Slide 17 Life Insurance vs Trust Exact same benefits as a Trust, just cheaper and more flexible: Application form (Trust foundation documents) Policy document (Trust Deed / By-Laws) Policyholder nominates the beneficiaries (Board of the Trust) Surrender of policy (liquidation of the Trust) Policy can be pledged as security against a loan (not possible with a Trust)

18 Slide 18 Nucleus Insurance Solutions Create your own product – we can help you to: Set up your own fund Create your own bespoke product White labeling possible

19 Nucleus Life AG

20 Slide 20 Nucleus Life AG Established in 2004 as niche player Cross-border specialist Compliant products DE, AT, BE, IT, International Languages: English, German, Italian, French, Dutch Shareholders: Nucleus & Associates (Luxembourg) Fork Capital (Belgium) Plenum Holdings (Switzerland) Strong – combined AuM > 1bn Know-how – all active in insurance & distribution

21 Nucleus Life AG Liechtenstein

22 Slide 22 Liechtenstein Stable: AAA-credit rating European standards: member of the EEA Cross-border market: freedom to provide services in EU / CH Modern legislation: flexible insurance solutions Strong regulator: European standards Currency: Swiss Franc (CHF) Capital: Vaduz

23 Slide 23 Liechtenstein - Security Art 59a of the Liechtenstein Insurance Act states that in event of insolvency of a life insurer, policyholder assets shall form a separate estate in accordance with the Art 45 of the Insolvency Act. In event of insolvency of a life insurer all policyholder assests are therefore fully protected from creditors.

24 Slide 24 Contact us Austria, Germany, Switzerland Dr Bruno Geissmann: tel +423 399 10 90 bruno.geissmann@nucleus.libruno.geissmann@nucleus.li Belgium Jane Verblydt: tel +352 26 89 82 22 jane.verblydt@nucleus.lijane.verblydt@nucleus.li Italy Simone Lenherr: tel +423 239 96 83 simone.lenherr@nucleus.lisimone.lenherr@nucleus.li International David Swanepoel: tel +423 239 96 86 david.swanepoel@nucleus.lidavid.swanepoel@nucleus.li

25 Nucleus Life AG Bangarten 10 FL-9490 Vaduz Liechtenstein Tel +423 399 10 90 Fax +423 399 10 97 E-Mail info@nucleus.liinfo@nucleus.li www.nucleus.li


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