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Welcome to RL360's

dedicated financial adviser website

For financial advisers only

Not to be distributed to, or relied on by, retail clients

RL360 PIMS - Features

A sophisticated portfolio bond for more experienced investors where premiums start at $80,000

Flexible but never over-complex...

Just like this page. If you want to cut to the chase and examine the key differences in features between PIMS Focused and Flexible here they are. For full details you should read PIMS The Facts. Scroll down for details of the charging structure.



  • The charges are lower than Flexible
  • Can be upgraded to Flexible at a later date
    (one-off charge applies)


  • Access to 1000+ funds from a defined range
  • Institutional discounts on most funds in the range
  • Investment adviser can be appointed at any time



  • The charges are higher than Focused
  • Cannot be downgraded to Focused at a later date


  • Access to virtually unlimited investments
    (subject to our acceptance)
  • Benefits from the same institutional discounts as Focused
  • Discretionary manager appointment possible in addition to investment adviser

Common to both versions


  • Individuals over 18
  • Companies and Corporate Trustees
  • Lives assured maximum age 85


  • Capital redemption or life assurance
  • Up to 100 sub-policies
  • Choice of 7 policy currencies
  • Minimum USD 80,000 initial premium


  • Regular withdrawals
  • One-off withdrawals
  • Sub-policy surrenders


  • Policy information for clients and advisers
  • Dealing

The charging structure

There are a number of different ways to the structure the charges associated with PIMS, you can select the way that suits your clients' circumstances best. Furthermore it is possible to structure charges differently between the initial premium and subsequent premiums, so your clients can always benefit from the most appropriate set of charges.

There are three main elements to the charging structure, they can be used individually or in isolation or in combination: Allocation Rate, Establishment Fee and Percentage Administration Fee. Click on each heading below to reveal more...

Reduced allocation rate
  • Premium allocated at less than 100%
  • Rate depends on our charge and your initial commission
  • No early surrender fees
Establishment fee
  • Premium typically allocated at 100% or more
  • Fee can be spread over a 5, 8 or 10 year period, based on percentage of premium paid
  • An early surrender fee applies during the 5, 8 or 10 year period, taken as a percentage of the premium paid
Percentage administration fee
  • Premium typically allocated at 100% or more
  • Fee is taken over the life of the policy, based on the higher of the current value or premium paid
  • An early surrender fee applies over either an 8 or 10 year period, taken as the higher of the current value or premium paid

Remember to read PIMS The Facts for full details.