Unbundled products

Unbundled products invest in a fund exclusively set up for an individual client, a so-called dedicated fund. This type of product aims specifically at high net worth individuals that are willing to contribute a substantial investment.

Dedicated funds allow for a maximum degree of freedom as they empower a client to define the investment policy and asset classes of the fund. Consequently, unbundled products are highly flexible and provide investors with a tailor-made solution for the management of their assets, while still providing the tax advantages offered by life assurance and offering a structure for inheritance and tax planning.

These products offer various advantages, most importantly:

• Tailor-made wealth management
• Wealth structuring
• Inheritance & Estate planning

Adamantis is our core product for high net worth individuals. It permits the client to choose the asset manager from a range of selected partners and to define an investment policy that perfectly matches his or her investment profile. Adamantis is available through our subsidiary Vestalife and will soon be available through the other insurance companies of the group.