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  • What is an Initial Contribution Period (ICP)?

    Knowing what the initial contribution period is on your policy is important as within this time any units in funds purchased by your regular premiums will not accrue an encashment value. It is important that you understand that your policy starts to carry a positive valuation normally at the end of the initial contribution period, rather than this being the minimum premium payment period.

  • Can I have access to my money?

    This depends on the terms of the policy that you have invested in, some schemes will have a lock-in period whereas others will allow you access to your cash at any time. Speak to your wealth manager who will be able explain the terms of your policy in detail with you.