MAPFRE MSV Life has launched a limited special offer on its Single Premium Plan.
The main added value benefits of this limited special offer include a 1% additional allocation to the initial investment and no entry fees. The Single Premium Plan offers a capital guarantee if the investment is retained up to maturity or upon earlier death.
This limited special offer is for a 15-year term investment in a Single Premium Plan with a minimum contribution of €10,000. The Single Premium Plan contributions are invested in the MAPFRE MSV Life With Profits Fund – a low to medium risk investment which offers potential for growth whilst protecting the investment from short term volatility. The investment grows in line with the annual bonuses declared by MAPFRE MSV Life which, once declared, are added to the policy account. This bonus can be withdrawn annually as a form of income or can be retained within the policy account and benefit from compounding as bonuses are added from year to year. This limited special offer Single Premium Plan also has the possibility of benefitting from any additional final bonus which MAPFRE MSV Life may declare to be payable in the year when the policy matures.
As an insurance based investment product, this limited special offer Single Premium Plan is a tax efficient investment and is an ideal investment for estate planning which allows for beneficiaries to be nominated.
Etienne Sciberras, CEO of MAPFRE MSV Life said:
We are pleased to launch this limited special offer in the market and we believe that its added value features make it a good value proposition for those investors looking for a reliable and non-volatile long term savings product. We are aware of the difficulty that savers and investors face when seeking to select investment options in the market that offer an attractive return whilst matching their risk profile and appetite particularly in the low interest rate environment that we have been experiencing for the past years.
In this regard, through this 2021 limited special offer on our Single Premium Plan we are seeking to offer investors with immediate added value through the 1% additional allocation that we will immediately add to their investment. We have also waived all entry fees making the proposition even more attractive.
The Single Premium Plan is considered to be a low risk investment since the With Profits Fund (in which the funds are invested) provides a capital guarantee upon maturity or earlier death. As such, our customers will benefit from the peace of mind that a With Profits investment provides whilst benefitting from the annual bonuses which we declare together with the possibility of benefitting from an additional final bonus. This investment is also considered to be tax efficient since bonuses are paid tax free in the hands of the policyholder.
MAPFRE MSV Life will start accepting applications for the 2021 Limited Special Offer Single Premium Plan from Monday, 25th October 2021. This is a limited time offer that will close on the 31st December 2021 or earlier at the discretion of MAPFRE MSV Life.
If you cash in your Plan before the date of maturity, you may not get back as much as you invested. What you might get back will depend on the investment performance and the bonuses we might add. The rate of future bonuses is not guaranteed and may change over the years. Tax treatment depends on individual circumstances and is based on current tax legislation which may change in the future.
MAPFRE MSV Life p.l.c. (C-15722) is authorised by the Malta Financial Services Authority (MFSA) to carry on long term business under the Insurance Business Act, Cap 403 of the Laws of Malta. MAPFRE MSV Life p.l.c. is regulated by the MFSA.
MAPFRE MSV tniedi Offerta Speċjali Limitata fuq Single Premium Plan
MAPFRE MSV Life nediet offerta speċjali limitata fuq Single Premium Plan. Din l-offerta speċjali toffri allokazzjoni addizjonali ta’ 1 % fuq l-investiment inizjali u l-ebda spejjez inizjali. Dan il-pjan ta’ investiment joffri garanzija fuq il-kapitali jekk l-investiment jinżamm sal-maturità jew f’kas ta’ mewt preċedenti.
Din l-offerta speċjali limitata hija għal investiment ta’ 15-il sena f’Single Premium Plan b’kontribuzzjoni minima ta’ €10,000. Il-kontribuzzjonijiet f’dan il-pjan huma investi fil- MAPFRE MSV Life With Profits Fund – investiment b’ riskju baxx sa medju li joffri potenzjal għat-tkabbir filwaqt li jipproteġi l-investiment minn volatilità fuq perjodu qasir. L-investiment jikber skont il-bonus annwali dikkjarat minn MAPFRE MSV Life li, ladarba dawn jiġu ddikjarati, jiżdiedu mal-kont tal-polza. Dan il-bonus jista’ jiġi migbud kull sena bħala forma ta’ dħul jew jista’ jinżamm fil-kont tal-polza u jibbenefika minn dak li jissejjah ‘compounding’ hekk kif bonuses oħra li jiżdiedu minn sena għall-oħra. Single Premium Plans ta’ din l-offerta speċjali limitata għandha wkoll il-possibbiltà li tibbenefika minn kwalunkwe bonus finali addizzjonali li MAPFRE MSV Life tiddikjara li hija pagabbli fis-sena meta l-polza timmatura.
Bħala prodott ta’ investiment ibbażat fuq l-assigurazzjoni, din l-offerta speċjali limitata hija investiment effiċjenti fit-taxxa u hija investiment ideali ghal estate planning għaliex tippermetti li benefiċjarji jkunu nnominati.
Etienne Sciberras, Kap Eżekuttiv ta’ MAPFRE MSV Life qal, “ Għandna pjaċir inniedu din l-offerta speċjali limitata fis-suq u nemmnu li l-karatteristiċi ta’ valur miżjud li qed noffru jagħmluha proposta tajba għal dawk l-investituri li qed ifittxu prodott ta’ tfaddil fit-tul affidabbli u mhux volatili. Aħna konxji mid-diffikultà li jiffaċċjaw dawk li jfaddlu u l-investituri meta jiġu biex jagħzlu investiment fis-suq li joffri redditu attraenti filwaqt li jaqbel mal-profil tar-riskju tagħhom, b’mod partikolari f’ambjent tar-rati tal-imgħax baxxi, li ilna nesperjenzaw f’dawn l-aħħar snin.
F’dan ir-rigward, permezz ta’ din l-offerta speċjali limitata fuq il- prodott Single Premium Plan, qed infittxu li noffru lill-investituri b’valur miżjud immedjat permezz tal-allokazzjoni addizzjonali ta’ 1 % li se nżidu immedjatament mal-investiment tagħhom. Neħħejna wkoll it-tariffi kollha inizjali, li b’hekk jagħmlu din il-proposta aktar attraenti għall-klijenti tagħna.
Il-Prodott Single Premium Plan huwa kkunsidrat bħala investiment b’riskju baxx peress li l-With Profits Fund (li fih jiġu investiti l-fondi) jipprovdi garanzija kapitali mal-maturità jew mewt preċedenti. B’hekk il-klijenti tagħna kapaċi jserrħu rashom permezz ta’ dan il-fond, waqt li jibbenefikaw minn bonus ta’ kull sena li niddikjaraw, kif ukoll il-possibbiltà li jibbenefikaw minn bonus finali addizzjonali. Dan l-investiment huwa kkunsidrat ukoll bħala effiċjenti fit-taxxa peress li l-bonuses jitħallsu mingħajr taxxa f’idejn id-detentur tal-polza.
MAPFRE MSV Life se tibda taċċetta applikazzjonijiet għall-din l-offerta spċjali fuq il-Pjan Single Premium mit-Tnejn, 25 ta ‘Ottubru 2021. Din hija offerta limitata li se tagħlaq fil-31 ta’ Diċembru 2021 jew aktar kmieni, fid-diskrezzjoni ta’ MAPFRE MSV Life.
Jekk tagħżel li tirtira flus kontanti fil-pjan tiegħek qabel id-data tal maturità, hemm ċans li ma tieħux lura daqs kemm investejt. Dak li tista’ tieħu lura jiddependi fuq il-prestazzjoni tal-investiment u l-bonuses li setaw jiżdiedu. Ir-rata ta’ bonuses futuri mhijiex garantita u tista’ tinbidel matul is -snin.
It-trattament tat-taxxa jiddependi fuq ċirkostanzi individwali u huwa bbażat fuq il-leġiżlazzjoni attwali dwar it-taxxa li tista’ tinbidel fil-futur.
MAPFRE MSV Life p.l.c. (C-15722) hija awtorizzata mill-Awtorità għas-Servizzi Finanzjarji ta ‘ Malta biex tmexxi negozju tal-assigurazzjoni fit-tul taħt l-Att dwar il-Kummerc tal- Assigurazzjoni, Kap 403 fil- Liġijiet ta’ Malta. L-entità hija regolata mill-MFSA.
