Premium bridging allows the investor to resume payment at the original level within six months of reducing or stopping premiums. The client may choose whether to pay back the missed premiums or not. Investors have access to the full fund value in a single premium investment plan. A regular premium investment plan, however, is designed around a specific premium paying term. Andrew le Roux, Investment Horizons product manager, explained that a client could select an endowment or retirement annuity investment contract.
Individuals can then invest in multiple investment plans via one investment contract.
Each investment plan offers multiple investment funds from which to choose with its own set of liquidity options. Investors can invest their full premium, or part of it, in any one, or a combination of the ten different investment funds. You could choose investment funds to suit your risk profile which, like everything else in life, may change. Your investment plan is made up of either one or a combination of funds between which you can switch. The latter offers stabilisation of returns via annual declared bonuses.