Wealth InteractiveWealth Interactivetransforming business

is transforming

How you dobusiness withyour clients

How we dobusinesswith you

How clientsview, understand

& get closerto their wealth

Skandia International

agenda

Introduction

Welcome toWealth

Interactive

Benefits toclients

Benefits toadvisers

Nextsteps

Our PortfolioBonds

why are we transforming?You talked, we listened

You told us you wanted:

“More seamless interaction with Skandia”

“Timely information on client activity”

“Straight through processing”

“Better online functionality”

welcome to Wealth Interactive

Wealth Interactive is our new, innovative end-to-end wealth management service

A new way of working with us that’s faster, easier, more convenient

Powering new Portfolio Bonds from Royal Skandia and Skandia Ireland, plus in due courseall of our existing offshore portfolio bonds

Building stronger client relationships in the post-RDR world.

Powering our new RDR-compliant

portfolio bond products

Demonstrating a clear, transparent,

efficient service that’s also excellent

value for money

Quality and depth of

information will enrich your advice

adviser

benefits

Deeper client engagement

Secure clientlogin

Pro-activealerts on

client activity

More reasons for dialogue

Speed of service

adviser

benefits

adviser

benefitsTime.Time.That valuable That valuable

commodity. commodity.

Reduced administration and paperwork:

Online applications and illustrations

Online dealing

Only set up aclient once

Access your documents and your clients’ in one place

Online transactionsinstantly validated

Online client management

Instant business information

Bulk management ofclient investments - link policies to model portfolios

excellent

functionalityClient administration & management:

Client set up & approval New business & top up applications

Transaction history Client document library

Valuations Pre-sale & existing business illustrations

Alerts, such as your clienthas requested a surrendervalue, or has received a letter from us

Configurable alerts, e.g. anniversary plan,client birthday

excellent

functionalityInvestment management:

Asset research information from Morningstar

Risk profiling & assetallocation tools

Portfolio building &automatic rebalancing

Link policies to portfolios

Portfolio and fund x-ray reporting

Online dealing, includingbulk dealing

An instant transparent audit trail

Business management:

Your firm decideswho sees what:

Appropriate accessto information & functionality

No time delays forstarters and leavers

excellent

functionality

Create, manage & monitor investment fund ranges and model portfolios

Highly configurable - integrates with different adviser business models

Online services to support your initial and on-going advice.

adviser

Alerts update you on key activities

Helps you build, deliver, and put in place your recommendation then manage client plans

benefits

Increasingly demanding customers want to be empowered by having a greater understanding of the status of their investments, to feel closer to their wealth –without necessarily wanting to take control of it.

Clients want to feel

closer to their investments

client benefits

client

benefitsInformation at their fingertips

Clients have an online document libraryof all policy correspondence

Investment information in one place e.g.

Transaction history Immediate access to the current value of their policy and its historical performance

Fact sheets for the assetsthey hold

Clients can change their personal detailseasily e.g. address, bank account,contact information

an at-a-glance view of their investmentswith Skandia International and a simple, clear and transparent way to keep track of their wealth

Capability to issueinstructions – payments and trade

Appointment of lead policyholder and view access for others

Clients want to feel

closer to their investmentsQuality and transparency of interaction with you gives

your clients peace of mind

The most up-to-datefacts possible about theirpolicy & its performance

Supporting you to helpyour clients achievetheir long term goals

Instant access toinformation equips yourclients for more meaningfulconversations with you

Protected by anindustry-leading security& authentication solution

Wealth Interactive gives your clientsinformation about their wealth,not the expert knowledge to manage it without you

client

benefits

corporates & corporate trustees

Due to the complexities involved in corporate and corporate trustee investment, these types of customers cannot apply online through Wealth Interactive.

However, once the business is live, your corporate and corporate trustee clients can be given access to Wealth Interactive, so they will then be able to monitor their investment online and enjoy the many other benefits of this service.

First products to be powered by

Wealth Interactive in the UK

Choice of jurisdiction – Isle of Man or Ireland

Match your clients’

medium-to long-term objectives

Open architecture fund range

Choice of charging

structures

Portfolio Bond range

introducingthe

The International Portfolio Bond, provided by Royal Skandia - life

assurance and a capital redemption versions

available.

The European Portfolio Bond – Life, provided by

Skandia Ireland – life assurance

version.

Portfolio Bondbenefits

Select individual assets, link clients to model portfolio that you've built or appoint a fund adviser

Have assets held by Royal Skandia/Skandia Ireland or an external custodian

Overdraft management facility

Charge structures to suit your clients and adviser fee facilitation options to suit your business

Select which assets withdrawals are paid from

Choice of currencies in which to paypremiums and denominate their policy

Fund manager rebates returned in full to the client

Individual policies assignable with their own investment and withdrawal strategies

from a provider you can trust

*Figures correct at 31 Dec 2013

Royal Skandia Life Assurance Limited and Skandia Life Ireland Limited - leading providers of offshore investment products and market-leading solutions for investors all over the world

Part of the Old Mutual Group, a FTSE® 100 company, founded in 1845 and now with funds under management of £293.8 billion*

'Terms of Business in place‘ with Royal Skandia/ Skandia Ireland.

We will email your Head of Firm with a link to register their 'Master User Account‘.

Master User then setsup the rest of your firm's employees on Wealth Interactive, depending on which level of access is appropriate to them. Each user will receive theirown log-on details.

1 2 3

getting startednext steps

Your firm is now ready to transformthe way you do business with Skandia

International, and enjoy the numerousbenefits of Wealth Interactive

If you are a member of a Network or National Account please contact your Head Office before submitting the Master User registration form to Skandia to prevent unnecessary delays in providing you access to Wealth Interactive

Supporting you

Wealth Interactive is very intuitive and straightforward to use, but we can provide a dedicated ‘e-business specialist’ to help you start using the system and answer any questions you or your colleagues may have.

this is just

the beginning…

Over the coming months we will be adding extra features to make our services even better.

Skandia International, part of Old Mutual Wealth, is the international group of companies which provides offshore and cross-border investment solutions.

www.skandiainternational.com Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0)1624 655 555 Fax: +44 (0)1624 611 715. Authorised and regulated by the Isle of Man Insurance and Pensions Authority.

All promotional material is approved by Skandia MultiFUNDS Limited. Skandia MultiFUNDS Limited is authorised and regulated by the Financial Conduct Authority. Financial Services register number 165359.The rules made under the Financial Services and Markets Act 2000 (as amended) for the protection of retail clients in the UK do not apply.

Royal Skandia Life Assurance Limited is a member of the Association of International Life Offices.

Skandia Life Ireland Limited is regulated by the Central Bank of Ireland. Registered No 309649

 

Administration Centre for correspondence: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU Tel: +353(0)1 479 3900 Fax: +353(0)1 475 1020

Head Office Address: Iveagh Court, 6-8 Harcourt Road, Dublin 2, Ireland. VAT number for Skandia Life Ireland is 6329649S  

Registered Office: Arthur Cox Building, Earlsfort Terrace, Dublin 2, Ireland.

Skandia International is registered in Ireland as a business name of Skandia Life Ireland Limited.