Quarterly current charges update
Flexibility, adaptability and choice.
Policy form numbers of GLP4-6 and GPP4-6
The charges below are correct as at 1 January 2026.
For Global Portfolio policyholders with policy form numbers^ of GLP4/5/6 and GPP4/5/6, please refer to the charges as below.
Administration charge
We will take a fixed administration charge on the first day of each calendar quarter to cover the previous quarter’s charge. The current charges are:
| USD 179.80* | HKD 1,474.00 | JPY 29,400.00 |
| GBP 142.00* | CHF 151.60 | AUD 287.00 |
| SGD 244.90 | EUR 162.30 | SEK 1,775.00 |
Dealing charge
We will take a fixed dealing charge each time you buy or sell an asset. We will take any dealing charges in the currency of the deal on the last day of the calendar quarter in which the deal was placed. We will not charge this fee when you transfer money from a General Transaction Account (GTA) in one currency to one in a different currency. The current charges are:
| USD 54.40* |
SGD 74.20 |
GBP 43.00* |
AUD 87.00 |
CAD 80.00 |
CHF 45.90 |
DKK 367.00 |
| EUR 49.20 |
HKD 446.00 |
JPY 8,900.00 |
NOK 577.00 |
NZD 99.00 |
SEK 537.00 |
ZAR 980.00 |
Ad-hoc charge
A charge will be taken from the GTA in the policy currency each time you make certain requests in relation to your policy. The current charge is:
| USD 262.70* | GBP 207.50* | SGD 357.90 |
| AUD 419.00 | CHF 221.50 | EUR 237.20 |
| HKD 2,153.00 | JPY 42,900.00 | SEK 2,594.00 |
*Our appointed actuary increases the fixed USD and GBP charges once a year 28 days before the end of December in line with the Retail Prices Index issued by the Isle of Man Government or any replacement Index. Charges in other currencies are set by the appointed actuary four times each year.
Asset exchange charge
We will take a charge for each individual asset in relation to your Global Portfolio policy.
| Charge per asset | USD 200** |
** The asset exchange charge is fixed for USD, and the other currency charges update quarterly in line with exchange rate movements.
For confirmation of charges in other currencies, please contact us.
Other policy form numbers
For all other Global Portfolio policyholders’ policy form numbers^ please refer to the charges as below.
Administration charge
We will take a fixed administration charge on the first day of each calendar quarter to cover the previous quarter’s charge. The current charges are:
| USD 333.00* | HKD 2,592.00 | JPY 51,690.00 |
| GBP 249.80 | CHF 266.60 | AUD 504.70 |
| SGD 430.90 | EUR 285.60 | SEK 3,122.00 |
Dealing charge
We will take a fixed dealing charge each time you buy or sell an asset. We will take any dealing charges in the currency of the deal on the last day of the calendar quarter in which the deal was placed. We will not charge this fee when you transfer money from a General Transaction Account (GTA) in one currency to one in a different currency. The current charges are:
| USD 74.50* |
SGD 96.40 |
GBP 55.90 |
AUD 112.90 |
CAD 103.90 |
CHF 59.60 |
DKK 477.00 |
| EUR 63.90 |
HKD 580.00 |
JPY 11,570.00 |
NOK 750.00 |
NZD 129.30 |
SEK 699.00 |
ZAR 1,269.00 |
Ad-hoc charge
A charge will be taken from the GTA in the policy currency each time you make certain requests in relation to your policy. The current charge is:
| USD 366.50* | GBP 274.90 | SGD 474.20 |
| AUD 555.50 | CHF 293.40 | EUR 314.30 |
| HKD 2,853.00 | JPY 56,890.00 | SEK 3,436.00 |
*Our appointed actuary increases the fixed USD once a year 28 days before the end of December in line with the Retail Prices Index issued by the Isle of Man Government or any replacement Index. Charges in other currencies are set by the appointed actuary four times each year.
Asset exchange charge
We will take a charge for each individual asset in relation to your Global Portfolio policy.
| Charge per asset | USD 200** |
** The asset exchange charge is fixed for USD, and the other currency charges update quarterly in line with exchange rate movements.
For confirmation of charges in other currencies, please contact us.
^ Your policy form number can be found on your policy schedule.
Please remember that investment involves risk. Fund prices may go up and down depending upon underlying investment performance, and the value of your investment cannot be guaranteed. The value of investments can be impacted by foreign exchange rate movement. You may get back less than you paid in.