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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Global VIP - Fund Platform

The funds listed below are available to purchase via the Northstar platform.  No upfront sales charges are applied and transfers between asset managers and underlying investment options are free of charge.

  • AllianceBernstein European Equity Portfolio (KIIDS)
  • AllianceBernstein Global Bond Portfolio (KIIDS)
  • AllianceBernstein Global High-Yield Portfolio (KIIDS)
  • AllianceBernstein Global Value Portfolio (KIIDS)
  • AllianceBernstein International Health Care Portfolio (KIIDS)
  • AllianceBernstein International Technology Portfolio (KIIDS)
  • BlackRock Global Funds — China Fund (KIIDS)
  • BlackRock Global Funds — Emerging Markets Bond Fund (KIIDS)
  • BlackRock Global Funds — European Fund (KIIDS)
  • BlackRock Global Funds — Global Allocation Fund (KIIDS)
  • BlackRock Global Funds — Global Dynamic Equity Fund (KIIDS)
  • BlackRock Global Funds — Global Inflation-Linked Bond Fund (KIIDS)
  • BlackRock Global Funds — Global Multi Asset Income Fund (KIIDS)
  • BlackRock Global Funds — India Fund (KIIDS)
  • BlackRock Global Funds — US Dollar Short Duration Bond Fund (KIIDS)
  • BlackRock Global Funds — US Growth Fund (KIIDS)
  • BlackRock Global Funds — World Energy Fund (KIIDS)
  • BlackRock Global Funds — World Gold Fund (KIIDS)
  • BlackRock Global Funds — World Mining Fund (KIIDS)
  • BlackRock Strategic Funds - Americas Diversified Equity Absolute Return Fund (KIIDS)
  • BNY Mellon Brazil Equity Fund (KIIDS)
  • BNY Mellon Global Bond Fund (KIIDS)
  • BNY Mellon Global Opportunities Fund (KIIDS)
  • BNY Mellon Long-Term Global Equity Fund (KIIDS)
  • BNY Mellon S&P 500® Index Tracker Fund (KIIDS)
  • Eaton Vance International (Cayman Islands) Floating-Rate Income Fund* (Prospectus)
*Eaton Vance International (Cayman Island) Funds are not available to residents of the European Union.
  • Fidelity Funds — Asian High Yield Fund (KIIDS)
  • Fidelity Funds — Emerging Markets Fund (KIIDS)
  • Fidelity Funds — India Focus Fund (KIIDS)
  • Fidelity Funds SICAV America Fund (KIIDS)
  • Fidelity Funds SICAV American Growth Fund (KIIDS)
  • Fidelity Funds SICAV Asian Special Situations Fund (KIIDS)
  • Fidelity Funds SICAV International Fund (KIIDS)
  • Fidelity Funds SICAV Pacific Fund (KIIDS)
  • Fidelity Funds SICAV US Dollar Cash Fund (KIIDS)
  • Fidelity Funds SICAV US High-Yield (KIIDS)
  • Franklin Biotechnology Discovery Fund (KIIDS)
  • Franklin Floating Rate Fund (Prospectus)
  • Franklin Global Small Mid Cap Growth Fund (KIIDS)
  • Franklin India Fund (KIIDS)
  • Franklin Income Fund (KIIDS)
  • Franklin Mutual Beacon Fund (KIIDS)
  • Franklin Mutual European Fund (KIIDS)
  • Franklin Natural Resources Fund (KIIDS)
  • Franklin Technology Fund (KIIDS)
  • Franklin US Equity Fund (KIIDS)
  • Franklin US Government Fund (KIIDS)
  • Franklin US Opportunities Fund (KIIDS)
  • Templeton Asian Bond Fund (KIIDS)
  • Templeton Asian Growth Fund (KIIDS)
  • Templeton BRIC Fund (KIIDS)
  • Templeton Emerging Markets Bond Fund (KIIDS)
  • Templeton Global Fund (KIIDS)
  • Templeton Global Bond Fund (KIIDS)
  • Templeton Global Total Return Fund (KIIDS)
  • Templeton Latin America Fund (KIIDS)
  • Templeton Shariah Asian Growth Fund (KIIDS)
  • Templeton Shariah Global Equity Fund (KIIDS)
*Franklin Templeton Funds are not available in Canada or to Canadian residents.
  • Henderson Gartmore SICAV Continental European Fund (KIIDS)
  • Henderson Gartmore SICAV Emerging Markets Fund (KIIDS)
  • Invesco Global Equity Income Fund (KIIDS)
  • Invesco Global Smaller Companies Equity Fund (KIIDS)
  • JPM Aggregate Bond Fund (KIIDS)
  • JPM Emerging Markets Bond Fund (KIIDS)
  • JPM Global Balanced Bond Fund (KIIDS)
  • JPM Global Corporate Bond Fund (KIIDS)
  • JPM Global Healthcare Fund (KIIDS)
  • JPM Global Income Fund (KIIDS)
  • JPM Global Macro Fund (KIIDS)
  • JPM Global Natural Resources Fund (KIIDS)
  • JPM Global Select Equity Fund (KIIDS)
  • JPM Greater China Fund (KIIDS)
  • JPM US Bond Fund (KIIDS)
  • JPM US Dollar Treasury Liquidity Fund (KIIDS)
  • JPM US Value Fund (KIIDS)
  • Legg Mason ClearBridge US Aggressive Growth Fund (KIIDS)
  • Legg Mason Royce US Smaller Companies Fund (KIIDS)
  • Legg Mason Royce US Small Cap Opportunity Fund (KIIDS)
  • Legg Mason Western Asset Global Multi Strategy Fund (KIIDS)
  • Legg Mason Western Asset US High Yield Fund (KIIDS)
  • MFS Meridian Emerging Markets Debt Fund (KIIDS)
  • MFS Meridian European Smaller Companies Fund (KIIDS)
  • MFS Meridian European Value Fund (KIIDS)
  • MFS Meridian Global Concentrated Fund (KIIDS)
  • MFS Meridian Global Equity Fund (KIIDS)
  • MFS Meridian Global Research Fund (KIIDS)
  • MFS Meridian Global Total Return Fund (KIIDS)
  • MFS Meridian Inflation-Adjusted Bond Fund (KIIDS)
  • MFS Meridian Limited Maturity Fund (KIIDS)
  • MFS Meridian Prudent Wealth Fund (KIIDS)
  • MFS Meridian US Government Bond Fund (KIIDS)
  • MFS Meridian US Value Fund (KIIDS)
*MFS Meridian Funds are not available in Canada or to Canadian residents.
  • Morgan Stanley Investment Funds Emerging Europe, Middle East and Africa Equity Fund (KIIDS)
  • Morgan Stanley Investment Funds Emerging Markets Debt Fund (KIIDS)
  • Morgan Stanley Investment Funds Emerging Markets Equity Fund (KIIDS)
  • Morgan Stanley Investment Funds Euro Bond Fund (KIIDS)
  • Morgan Stanley Investment Funds European Currency High Yield Bond Fund (KIIDS)
  • Morgan Stanley Investment Funds Global Bond Fund (KIIDS)
  • Morgan Stanley Investment Funds Global Brands Fund (KIIDS)
  • Morgan Stanley Investment Funds Global Property Fund (KIIDS)
  • Morgan Stanley Investment Funds Indian Equity Fund (KIIDS)
  • Morgan Stanley Investment Funds Latin American Equity Fund (KIIDS)
  • Morgan Stanley Investment Funds US Dollar Liquidity Fund (KIIDS)
  • Morgan Stanley Investment Funds US Growth Fund (KIIDS)
  • New Capital China Equity Fund (KIIDS)
  • New Capital US Growth (KIIDS)
  • New Capital Global Value Credit Fund (KIIDS)
  • New Capital Wealthy Nations Bond Fund (KIIDS)
  • PIMCO Commodity Real Return Fund (KIIDS)
  • PIMCO Diversified Income Fund (KIIDS)
  • PIMCO Global Bond Fund (KIIDS)
  • PIMCO Low Average Duration Fund (KIIDS)
  • PIMCO Total Return Bond Fund (KIIDS)
  • Pioneer Strategic Income Fund (KIIDS)
  • Pioneer US High Yield Corporate Bond Fund (KIIDS)
  • Pioneer US Mid Cap Value Fund (KIIDS)
  • T. Rowe Price Funds SICAV — Global Growth Equity Fund (KIIDS)
  • T. Rowe Price Funds SICAV — US Large Cap Growth Equity Fund (KIIDS)
  • T. Rowe Price Funds SICAV — US Smaller Companies Equity Fund (KIIDS)

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.