UNIT LINKED PLANS
A Practical Financial Tool for People Living Across Multiple Countries, Including Expats, Relocators, and Digital Nomads - Providing Growth and Security Opportunities
Unit linked
Saving for Expats
A Unit Linked policy provides flexibility in preserving and accumulating capital regardless of your current location and citizenship, creating a reliable financial foundation wherever you plan to live in the future
Alternative to a Brokerage Account
The efficiency of a brokerage account with the tax, protection and planning advantages of a life insurance policy.
Capital Protection
Assets held in segregated accounts with TOP banks. Policy ownership protects from lawsuits and 3rd party claims.
Tax Optimization
The insurance policy provides legal tax optimization mechanisms tailored to the individual needs of the client.
solutions
Unit Linked
are an excellent solution for achieving various financial goals due to their flexibility, security, and investment opportunities. They help create financial stability and protection, especially if you live in or plan to move between different countries, providing support at every stage of life
Unit Linked policies are portable investment schemes offering tax-advantageous savings in hard currency. Through monthly or quarterly regular savings, employees can achieve retirement goals without relying on a single employer for security
Children’s education planning needs to start early to take advantage of compound interest. A typical 15-year plan of saving a few hundred dollars monthly is sufficient to ensure a child’s ability to enroll in even the most expensive universities
Access to alternative investments in hard currency with the same level of security as top-rated banks has become a priority among investors. Unit Linked policies provide access to top banks’ best rates and allow efficient transfers between deposit accounts without tax consequences
The world’s best brokerage services are available through Unit Linked policies. With the lowest trading and margin fees, policyholders can easily trade stocks, bonds, ETFs, options, futures, cryptocurrencies, private debt, IPOs, and private placement listings
UNIT LINKED BENEFITS
NO INTERMEDIARIES
No need for advisor or banker fees. All transactions and reporting are done directly online with the insurance companies platform.
INDEPENDENT VIEW
We work with all international insurance companies, so you get an independent comparison of all unit-linked products.
CURRENT OFFERS AND DISCOUNTS
We provide the best offers and highly discounted fees. We will match any offers you find on the market.
DIRECT ACCESS
You initiate a contract directly with the insurance company and you transfer your funds directly to their custodian bank. You then get access to your personal account, where you can manage your account 24/7.
IN THE MEDIA
FORBES
“However, by enclosing a US investment in a non-US shell, such as making a purchase into a company or trust, tax can be avoided.
It is also possible to reduce the risk of taxation if you buy shares of ETFs or mutual funds created outside the United States, or through insurance policies.”
J.P.Morgan
“Open-architecture insurance policies allow for efficient investment planning throughout one’s lifetime, followed by the tax-free transfer of assets across generations. Tax deferral within these policies is one of the key factors in building an effective investment strategy”
Bloomberg
When the insured dies, the beneficiaries inherit the PPLI assets without paying taxes.”
About us
Unit Linked Programs focuses on helping people living across multiple countries, including expats, relocators, and digital nomads.
We aim to make the best investment insurance products available to everyone, without the need for financial advisors or investment bankers intermediation.
We have developed this project to eliminate the need for unnecessary paid financial advisory services. You can open savings or investment plans directly with insurance companies at the lowest costs.