This marketing information has been provided for discussion purposes only. It is not advice and does not take into account the investment needs and objectives, financial position, risk attitude, liquidity needs, capital security needs and/or capacity for loss of any particular person. It should not be relied upon to make investment decisions.
IMPORTANT POINTS ABOUT INCOME INSURANCE
If you stop making your regular payments, you will no longer be protected, and we will not refund any money.
You cannot cash in your plan – it is not a savings plan.
It is very important that you re-evaluate your plan benefits against your current earnings, as they may not continue to meet your needs.
At the time of a claim, your earnings must be above the level that justifies the amount of cover you have chosen. If not, you will receive a reduced benefit. In this case, we will not refund any part of the payments you have made.
The particular tax treatment contained herein is based on Harvest Financial Services Limited’s understanding of current Revenue practice as at September 2018. Please note that the tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should take such independent tax advice as you deem appropriate.
