IMPORTANT INFORMATION ABOUT ACCESS TO THIS WEBSITE

The information provided on this website is not intended for distribution to, or use by, any person in the United States or in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Northstar products are not available to US persons or citizens or residents of Bermuda. The website has been created for informational purposes only and is intended for use only by authorized distributors or current policyholders.

Please download and read the Terms & Conditions of Use below carefully. These set out the terms and conditions for accessing this website. After you have read and understood the Terms & Conditions of Use, you may click “I Accept” to proceed. By doing so, you:

i) confirm that you are accessing this website on an unsolicited basis, on your own initiative and in compliance with the laws and regulations of the jurisdiction or country in which you are residing;

ii) confirm your understanding that this website contains information about investment and/or insurance products and services that may not be available to persons in your jurisdiction;

iii) confirm that to the extent that any information contained in this website relates to any security or insurance, you will not use such information either directly or indirectly in connection with any purchase or sale, or the solicitation of any offer to purchase or sell, any security or insurance to or from any person that would violate the securities, insurance or other laws of any jurisdiction; and

iv) acknowledge expressly that you have read and understood the Terms & Conditions of Use and agree to abide by them.

By clicking ‘I Accept’ you confirm your understanding and acceptance of the criteria detailed above, and that you have read and accept the Terms & Conditions of Use.

NORTHSTAR – TERMS & CONDITIONS OF USE

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Products Overview

All of Northstar’s investment plans are issued inside of a Bermuda trust structure that facilitates wealth transfer and estate planning at no additional cost.  By participating in a Bermuda trust, investors are provided with financial security and privacy protections.

The NFSB trust structure

The NFSB trust structure provides investors with the following benefits:

  • Trust income is not subject to Bermuda tax
  • Enables the investor to designate beneficiaries with proceeds paid directly to them on death
  • Segregated account protection, which segregates the assets in the trust from the general creditors of Northstar
  • Enhanced protection of trust assets from creditors and from arbitrary seizure

Investment Plan Benefits

Northstar has a variety of fixed-rate, variable and index-linked investment plans that enable investors to select the solution that best suits their specific needs.

Northstar’s investment plans offer the following benefits:

Fixed-Rate Investment Plan Benefits

  • Competitive guaranteed fixed-rates 
  • Optional return of principal benefit 
  • Generous annual free liquidity privileges 
  • Income options available on monthly, quarterly or annual basis 
  • Variety of commitment periods 
  • Investments backing contracts predominantly investment grade bonds 
  • Bonds held in custody at HSBC and managed by BlackRock 
  • Proceeds not included in probate and paid directly to beneficiaries on death (MVA and withdrawal charges waived) 
  • Advisor and client website with analytical functionality

Variable Investment Plan Benefits

  • Access to broad range of leading asset managers 
  • Ability to choose from five model portfolios at no additional cost 
  • Investment options include Institutional share classes and index funds
  • Free and unlimited transfers between available fund and managed model portfolio options 
  • 6 month and 12 month Dollar Cost Averaging 
  • Quarterly, semi-annual and annual Asset Rebalancing 
  • No upfront sales charges 
  • Generous annual free liquidity privileges 
  • Income options available on monthly, quarterly or annual basis 
  • Variety of commitment periods 
  • Proceeds not included in probate and paid directly to beneficiaries on death (withdrawal charges waived) 
  • Advisor and client website with analytical functionality

Index-Linked Investment Plan Benefits

  • 100% principal protection at maturity
  • In some cases more than 100% of the upside potential of equity markets 
  • Principal protection predominantly backed by investment grade bonds 
  • Bonds held in custody at HSBC and managed by BlackRock 
  • Market participation backed by an A rated bank 
  • No upfront sales charge or annual fee 
  • Variety of commitment periods 
  • Proceeds not included in probate and paid directly to beneficiaries on death (MVA and withdrawal charges waived) 
  • Advisor and client website with analytical functionality

Important Information

Northstar products are not available to US persons or to residents or citizens of Bermuda. This information has been prepared for information purposes only and does not constitute an offer or solicitation to any person or entity in any jurisdiction in which an offer is not authorized, or to any persons to whom it is unlawful to make such an offer or solicitation.  Northstar does not provide any tax, legal or financial advice. Prospective investors are solely responsible for determining the tax and legal regulations of any applicable jurisdiction by consulting with their tax and legal advisors regarding their individual circumstances. Product key benefits and details have been prepared for summary information purposes only. Please refer to the applicable product documents and specimen contracts for a complete description of all the terms and conditions relating to any specific product.