We offer a revolutionary investment bond providing superior investment, protection and tax-planning solutions tailored after your requirements.
Custodian Life is dedicated to serving investors worldwide
We offer solutions designed to help you manage your long-term wealth as well as customized investment solutions and services for institutional setups.
We have modernized in many ways a very conservative insurance industry. We see it as our mission to be one of the first insurance companies that actively work to be transparent into cost, quality, and service delivered. We link the traditional view of the insurance industry with the use of state of the art online platforms with both informative and trading facilities.
We are committed to act with integrity to advance the rights, goals, and values of our Policyholders. Integrity means distinguishing right from wrong and doing the right thing. We represent our capabilities honestly. We observe appropriate confidentiality of Client information. We do not misrepresent our purposes in seeking information. We only make promises we can keep. We take the time to consider our actions and ask whether we can defend them openly today and tomorrow.
Integrity at Custodian Life also requires courage and accountability. We deliver work of the highest quality by our standards as well as those of our Clients. We do not compromise our intellectual integrity for special interest. We share our objective findings with Clients – even those that may be unpopular – in a manner that is both candid and respectful.
We are here to help you succeed, whatever your needs are.
Working as a team
You, your Financial Adviser and Custodian Life.
Your relationship with Custodian Life is about more than investing money. It is about sharing your target and ambition and building relationships.
You and your Financial adviser, with access to the full range of Custodian Life’s product assortment, our services and resources, work closely towards achieving your financial goals. Your Financial Adviser is highly trained to understand your needs and to help you develop the financial strategies that can satisfy them – today and over the long term.
Through your Financial Adviser, you benefit from Custodian Life’s flexible capacity: our flexible investment products, close cooperation with asset managers and financial institutes, well-trained staff, high quality service level. It is the act of working jointly together that you will find has much to offer.
How to find a good Financial Adviser? – Ask these questions
Finding a good Financial Adviser can be hard, mainly because entering the field is easy. If you complete a few regulatory exams you can become a registered or licensed Financial Adviser and no specific skills or experience is required to become a registered or licensed Financial Adviser.
Custodian Life carefully select the Financial Advisers we are contracting with. All Financial Advisers undergo careful scrutiny before they are granted Terms of Business with Custodian Life. It is a requirement from our side to only work with licensed Financial Advisers, subject to the law on the relevant market requires.
Even though all Financial Advisers have been reviewed by us we think it is of importance that you take your time and interview the Financial Adviser before you settle with the one.
We have listed some questions we think you should ask the Financial Adviser before settlement:
1. How are you different than any other Financial Adviser?
Look for something that makes the Adviser unique, maybe they are located in your neighborhood or perhaps the Adviser meets Clients on evenings and weekends making them more accessible.
2. How many times have you changed firms and why?
Since most Advisers are commission based they often switch firms for better payout, so find out how many times they have changed firms and what the reason was. If you notice they switch often we suggest you look for another Adviser because they put their interest before client’s and chances are they will walk out on you as well.
3. Does your firm provide services other than investing such as estate planning and insurance?
Most Advisers are licensed for investments and insurance, they are not tax or estate experts. However, most firms will have an estate or tax expert available for Clients if needed. This will indicate if the firm is willing to go the extra mile for Clients, which can be a good indication of the firm’s customer satisfaction.
4. What types of services do YOU provide?
This is somewhat of a broad questions and it’s main purpose is to let the Adviser show what they are capable of doing for their Clients. Do they provide educational seminars? Are analyst reports available?
5. Can you give me some references?
Checking references is probably the best way to learn more about an Adviser and the firm. Ask if the Adviser can provide you with references. The good ones will do so gladly, just make sure they are not friends or family.
6. Ask to provide for sample portfolio
A sample portfolio of a Client can show you how much stocks, bonds and mutual funds the Advisers use as well as turnover ratio. Watch out for high mutual fund proportions and high turnovers (buy and sell of stocks), since this could indicate some conflict of interest.
7. Check background and credibility
Last but not least is to check the adviser’s and firms registration with the regulatory bodies.
What to expect from your Financial Adviser
- Your Financial Adviser is committed to understanding you, your financial needs, your investment objectives, your tolerance for risk, your time horizon and any other factors that may affect his or her recommendations.
- Your Financial Adviser will help you set realistic expectations about the long-term performance and associated risks of those choices.
- Your Financial Adviser will be available for regular conversations with you about the status of your investments with us and changes in your personal profile.
Working together with your Financial Adviser
A strong foundation to reach your goals and help you build your success
Custodian Life works together with a numerous number of Independent Financial Advisers around the world, all with their own way of approaching and satisfying your needs.
Choose an Adviser carefully. Most financial professionals are honest and ethical, but some are not. Do not be afraid to ask questions or ask for references before hiring someone. If available, check with the relevant professional organization to see if the person has a history of complaints.
Your first step toward successful investing is building a relationship with your Financial Adviser, who is well-trained to help you succeed.
The Financial Adviser recognizes every Client is unique and he or she approaches each relationship similar to these five steps:
- Understanding you. Your relationship starts with a frank conversation to help your Financial Adviser thoroughly understand your goals, your tolerance for risk and your particular needs.
- Analyzing your needs. You and your Financial Adviser review and analyze your current financial situation and evaluate various strategies that could be employed to help you reach your goals.
- Tailoring your solution. Your Financial Adviser evaluates and recommends the appropriate combination of investments for your strategy, and makes sure you understand them.
- Carrying out your choices. Your Financial Adviser helps you implement the investment strategy that you have chosen.
- Staying committed to you. Your Financial Adviser maintains an ongoing commitment to the relationship through regular contact, timely account information, and seeing that your questions or concerns are resolved.
Teamwork requires a commitment from you as well
- Provide your Financial Adviser with all relevant information about your financial condition, goals, risk tolerances and time horizon as well as changes to this information.
- Meet with your Financial Adviser regularly to review your financial situation and investment positions.
- Approve or decline your Financial Adviser’s recommendations on a timely basis.
- Personally review and understand your investments, investment strategy and materials provided to you.
- Understand that all investments have some degree of risk and that you may lose money on any investment.
- Ask questions if you are uncertain about any aspect of your investments with Custodian Life.
- Provide us with frank, timely feedback on how we are doing and how we can improve our service to you.
Understanding your relationship with Custodian Life
Custodian Life is your insurance provider. The Company is registered under the Insurance Act 1978 and the Segregated Account Companies Act 2000 in Bermuda as a long-term life insurance company, offering whole of life insurance policies with unit-linked characteristics.
Custodian Life does not have any employed Financial Advisers and do not give any recommendations regarding investment choices or choice of Adviser. We work together with a numerous number of Financial Advisers around the world. Your primary contact with us is through your Financial Adviser and we will put the resources of our Company behind your Financial Adviser to help you pursue your goals.
Our commitments to our policyholders
- Your primary contact with us is through your Financial Adviser. We will put the resources of our Company behind your Financial Adviser to help you pursue your goals.
- We only work with Financial Advisers who adopt our transparent view of doing business.
- We only work with licensed Financial Advisers in markets where it is compulsory to have a license according to applicable legislation.
- Where it is not compulsory for the Financial Adviser to be licensed, we will demand verification from a lawyer or equivalent that a license is not needed in the region in which the Financial Adviser works from. We will also perform an enhanced due diligence of such a Financial Adviser.
- We will help you understand your investment choices.
- We will provide timely account and transaction information that accurately reflects the investment positions you hold with our Company.
- We will disclose information related to the way we are paid by you as a Client, including commissions and fees associated with your account. We will answer questions you have about how your Financial Adviser is paid.
- We will disclose, on requests, information regarding payments we receive from third parties for the products and/or services in your account.
- We will share our policies and practices relating to the privacy of the information you provide us.
- If you have an issue or concern, we will make it our priority to address it. Our Customer Service is available to help resolve any issues that are not promptly resolved by your Financial Adviser or his or her Manager.
- We will do our best to build and justify your trust in us
Becoming an informed investor
At Custodian Life, we want to be sure you have all the information you require about how we do business, what types of fees and expenses you may incur and what differences exist between various products.
Being an informed investor is the best way to protect your money. We assess each complaint we receive. We also provide fair and unbiased information to help investors throughout the investing journey.
Understand how the investment works
Before buying, ask these important questions to help you understand how the investment works and what costs and risks are associated with it.
- How does the investment make money? Does it pay dividends or interest?
- What fees or commission do you have to pay to buy, hold and sell the investment? What effect will these fees have on the overall value of your portfolio?
- What has to happen for the investment to increase in value? How much does the investment have to increase in value in order for you to break even or make money after all the fees are paid?
- What specific risks are associated with the investment? What effect would a change in interest rate, a recession or market changes have on the value of your investment?
- How easy would it be to sell the investment if you needed your money right away? Are there restrictions on how long you must hold the investment or are there penalties for selling the investment early?
- Does the investment suit your goals and risk tolerance? Understanding tolerance for risk will help you choose investments that are right for you and your financial situation.
Understand what you are investing in
Make sure you understand the company’s business and whether it is making or losing money. If you are unfamiliar with reading and interpreting financial statements, ask your Financial Adviser to review them with you.
- How long has the company been in business? Investing in a company with little or no history or published information may involve more risk.
- Is the company making money?
- What could affect the company’s performance?
- Are there any red flags in the financial statements? This could include increased expenses with no increase sales, or negative cash flow.
- How is the company managed? Are there any ongoing legal issues with the company?
Where to find information
Disclosure documents such as a prospectus or annual report can be a good source of information. A prospectus contains facts about the securities being offered to the public. It includes information about the history of the issuer of the securities and its operations, a description of the securities being offered, financial statements, a summary of the major risk factors that affect the issuer and how the money raised by issuing the securities will be used.
Your Financial Adviser can provide you with disclosure documents or you can download public company’s or investment fund’s disclosure documents.
You can also find information about the companies you invest in from a variety of other sources including media, newsletters, analyst’s reports and the company itself. Remember, this information only forms part of the overall picture of the company. Be critical of what you read and never base your decision solely on websites, unsolicited emails or company news releases.
Protecting your investments
Staying informed after you invest also helps you protect your money. Here are some other tips to keep in mind:
- In general, the higher the expected return, the greater the risk. Know your risk tolerance and only buy investments that you are comfortable with.
- Do not give in to high-pressure sales tactics. Take your time when making investment decisions and never sign documents you do not understand.
- If you have questions or concerns about the investment, talk to your Financial Adviser.
In a Custodian Life Insurance Policy, we offer you a variety of investment choices to fit your needs.
Custodian Life is accepting a wide range of investment alternatives, including listed and non-listed securities, commodities, derivates,mutual funds and some cryptocurrencies.
Being one of the few companies on the market that are offering our clients the possibility to include both listed and non-listed securities and commodities, we have a broader range than the general offshore market. Flexibility is our trademark.
A type of security that signifies ownership in a corporation and represents a claim on part of the corporation’s assets and earnings. In other words, a shareholder is an owner of a company. Ownership is determined by the number of shares a person owns relative to the number of outstanding shares.
There are two main types of stock: common and preferred. Common stock usually entitles the owner to vote at shareholders’ meetings and to receive dividends. Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares.
Stocks are the foundation of nearly every portfolio. Historically, they have outperformed most other investments over the long run.
A debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate. The indebted entity (issuer) issues a bond that states the interest rate (coupon) that will be paid and when the loaned funds (bond principal) are to be returned (maturity date). Interest on bonds is usually paid every six months (semi-annually). Bonds are used by companies, governments etc to finance a variety of projects and activities. Bonds are commonly referred to as fixed-income securities and are one of the three main asset classes, along with stocks and cash equivalents.
Bonds can be used as a “core” investment to build the foundation of a balanced portfolio. They offer a wide range of maturities, varying interest payment terms and different credit quality ratings to fit most portfolio needs. Bonds and other fixed-income instruments may also provide a good counterbalance when combined with equities because bonds typically fluctuate less than stocks.
An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other securities, which would be quite difficult (if not impossible) to create with a small amount of capital. Mutual funds are operated by money managers, who invest the fund’s capital and attempt to produce capital gains and income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus. Each shareholder participates proportionally in the gain or loss of the fund. Mutual fund units, or shares, are issued and can typically be purchased or redeemed as needed at the fund’s current net asset value (NAV) per share, which sometimes expressed as NAVPS.
Custodian Life offers a wide array of mutual funds to meet a broad range of investment goals.
The latitude to diversify your cash across the world’s major currencies
In today’s global marketplace, opportunities regularly span national boundaries and employ multiple currencies. FX makes diversifying cash in your Custodian Life Policy convenient and easy. FX enables you to buy, hold and sell many of the world’s major currencies from the convenience of your Custodian Life Policy.
Flexibility based on your time horizon. Available as either Savings Deposits or Time Deposits
A variety of interest rates are available. Rates will vary by deposit size and currency. Rates for Time Deposits are fixed for the deposit term while Saving Deposit rates are variable.
An investment that is not one of the three traditional asset types (stocks, bonds and cash). Most alternative investment assets are held by institutional investors or accredited, high-net-worth individuals because of their complex nature, limited regulations and relative lack of liquidity. Alternative investments are favored mainly because their returns have a low correlation with those of standard asset classes. Because of this, many large institutional funds such as pensions and private endowments have begun to allocate to alternative investments. Many alternative investments also have high minimum investments and fee structures compared to mutual funds.
An alternative investment strategy in which professional money managers uses futures contracts as part of their overall investment strategy. These accounts can have various weights in stocks and derivative investments. A diversified managed futures account will generally have exposure to a number of markets such as commodities, energy, agriculture and currency. Introducing futures into a portfolio reduces risk because of the negative correlation between asset groups.
A structured investment will vary depending on the risk tolerance of the investor. Structured Investments typically involve various exposures to fixed income markets and various derivatives. Conservative investors will have a higher exposure to the fixed income markets, while risk averse investors will have a higher exposure to equities and derivatives.
At Custodian Life, we believe it is important for you to understand the costs associated with obtaining investments and services from us. As our client, you benefit from the full scope of services and resources of the company. Through your Financial Adviser, you have access to the full range of Custodian Life’s product assortment.
How Custodian Life is Compensated by You
Depending on the types of relationships you establish and the ways you choose to do business with us, Custodian Life may be compensated for the services we provide through transaction commissions and markups, asset-based fees and other fees and charges. You are able to learn more about the fees here under ‘Charges’.
How Custodian Life Compensates Your Financial Adviser
Your Financial Adviser’s compensation is based primarily on the fees and commissions that you pay us according to the products and services you choose.
Custodian Life | Century House, 16 Par-la-Ville Road, Hamilton HM 08, Bermuda | firstname.lastname@example.org