Advantage is offering a flexible premium custom designed universal life insurance policy. The policy is designed for affluent clients who are concerned about:

•
   Providing for their children and grandchildren
•
   Ensuring the continuation of their family business
•
   Accessing worldwide Global Financial Markets
•
   Diversifying their financial portfolio

Issuing Company  

Advantage Life & Annuity Company, SPC
5th Floor, Windward 3
Regatta Office Park, West Bay Road
PO Box 2185, Grand Cayman KY1-1105
CAYMAN ISLANDS
Issue Ages  

20 to 80 years of age
Minimum
Face Amount 		 

$200,000
Minimum Premium  

$50,000
Premium Payments  

Annual with flexible timing with certain limits
Death Benefit  

The Death Benefit options are available on level face amount (A) or the net amount at risk plus Segregated Portfolio Cell value (B). Part of the Death Benefit may be paid in kind by the distribution of assets within the Segregated Portfolio.
Underwriting  

A medical examination must be undertaken which is paid for by Advantage. The exam must include a compatible blood profile and urine analysis, a resting EKG but if over 40 the test will be on a treadmill. For males over 50 PSA blood results will be required. An attending physician’s report must also be supplied. Financial underwriting is undertaken and extensive due diligence is undertaken on prospective insureds.

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Investment Flexibility

Advantage offers multiple investment options of offshore, international mutual funds created solely for its policyholders. The insured selects in which of these funds he wants the premium invested and may switch funds frequently. An investment profile is obtained from the policyholder at inception and this profile is reviewed periodically. Advantage may elect to amend the specific investments if it feels that diversification or investment objectives are not being met. Compliance with diversification rules and investment profiles are checked bi-annually.

Creation of an Insured’s Immediate Death Benefit

As soon as your policy is issued, you are eligible to be paid the death benefit on your death no matter when that should occur. Advantage guarantees this as long as your policy remains in force.

Segregated Portfolio Account Value

The premium you pay is credited to a Segregated Portfolio. Policy costs are deducted from it and the balance becomes the policy account value ready for investment. As this account value grows, it is generally available to you as a policy loan or withdrawal providing you with funds for unexpected cash outlays.

Investments in the Global Marketplace

The global marketplace offers the insured access to institutions and financial products not generally available. These investments can help you achieve your financial goals through their varied and diversified investment strategies.

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Advantage does not mass market its policies, but is prepared to make them available within Cayman Islands on
a case-by-case basis. All Advantage policies are individually structured to ensure the client obtains the best possible
benefits based upon the specific facts of his or her particular situation. Advantage only works through and with
the tax or estate planning counsel of prospective clients to develop and implement a life or annuity policy that is
appropriate for the client. The products and services described are not being offered for sale and will not be sold in the
United States of America (including the District of Columbia), its states, territories or possessions or to any person therein.