Offshore Tep Opportunities

TEPs still have the attraction of an exposure to equities without suffering from wild stock market fluctuations. Life companies are well-known for their conservative method of distributing annual profits, as they keep a large percentage of their capital and income back to protect against difficult times. However, this habit is currently under fire from consumers and watchdogs who are demanding that life companies hand back their ‘orphan assets’.
For those in the know, TEPs are a flexible element of financial and tax planning.

If you want to meet a particular financial need at a fixed point in the future, such as school fees, weddings, 18th or 21st birthdays, retirement or tax planning, then TEP policies can provide the answer. They are particularly useful for older investors, especially those who are unable to buy policies on their own lives due to health and other problems.

Offshore Tep Opportunities - TEPs Offer

Endowment policies issued by leading UK life offices, therefore, have a considerable appeal to European investors, as the returns offered by many continental insurers are historically poor compared with those from their UK counterparts.

Offshore Tep Opportunities & Goldstein

Policy Portfolio has achieved an average annualised growth rate of 10.6 per cent for all those TEPs bought since 1988 and which matured during the twelve months ending September 2000. TEPs are free from UK tax on maturity for someone resident abroad, whereas there may be a tax liability from a UK-based investor on the sale or maturity of a TEP. The demutualisation of UK life offices and speculation concerning those which still remain mutual has further extended this appeal.”