Terms & Conditions


Please read these terms carefully. By proceeding with access to our website you are deemed to have accepted these terms. If you are accessing this website from outside the UK, local legislation may not permit us to provide products for you in your own country.

We will take very seriously any access to or interference with this site with intent to deny, corrupt or damage or otherwise interfere with service from the website or for other commercial purposes. We will monitor any such use and will take whatever action necessary to protect this website from such activities. By using this website, you agree that damages may not be an adequate remedy for any breach of the above access terms or infringement of any of our rights by you and you accordingly agree that we are entitled to any and all of the following remedies: injunction; specific performance; orders to deliver up infringing copies or materials and any other legal or equitable relief for any threatened or actual breach and/or infringement. You further agree that no proof of special damages is necessary for us to obtain any such remedies.

By accessing the information on this website you are representing and warranting that you are either a Professional Advisor/Intermediary or an existing policyholder of LCL International Life Assurance Company Limited with capacity to access this website. The content of this website is for information purposes and relates to existing products. It is not intended as an offer to invest or an invitation to invest. Access to this website and the use of information contained on it is governed by the terms and conditions set out below.

  • For full details of all products mentioned on this website, please refer to the Policy Terms and Conditions, copies of which are available on request.
  • The following information is designed to inform and protect you. There are certain legal and regulatory limitations that apply to the information contained on this website and by proceeding you are deemed to have read and understood this warning.
  • This website is governed by Isle of Man law and any dispute or action arising out of the use of this website shall be determined by the Isle of Man courts in accordance with such laws.
  • LCL International Life Assurance Company Limited provides life assurance and investment products. Registered in the Isle of Man: No. 27082C

    Contact Office:

    PO Box 391
    Douglas
    Isle of Man
    IM99 2XW
    Tel:  +44 1624 683683
    Fax:  +44 1624 683684

    Registered office:

    St George's Court
    Upper Church Street
    Douglas
    Isle of Man
    IM1 1EE
  • LCL International Life Assurance Company Limited is authorised under the Isle of Man Insurance Act 2008. LCL International Life Assurance Company Limited is supervised by the Isle of Man Financial Services Authority and is a member of the Manx Insurance Association (MIA) and Association of International Life Offices (AILO).
  • Holders of policies issued by LCL International Life Assurance Company Limited are protected by the Isle of Man Life Assurance (Compensation of Policyholders) Regulations 1991. Policyholders are not protected by the United Kingdom Financial Services Compensation Scheme.
  • LCL International Life Assurance Company Limited is not liable for any direct or indirect loss or damage you may suffer or incur in connection with your use of this website. Neither LCL International Life Assurance Company Limited nor any associated companies or representatives, accept responsibility for any errors or omissions. LCL International Life Assurance Company Limited may vary, suspend or withdraw access to the pages of this website without notice at any time and accepts no responsibility for variation or non-availability of webpages. This information on this website is only a summary and may be subject to change without notice, and its accuracy and completeness cannot be guaranteed.
  • Complaints about our products or service will be dealt with in accordance with our Complaints Policy, a copy of which is available on request. In the event that we are unable to resolve a dispute customers have the right to refer the matter to the Isle of Man Financial Services Ombudsman Scheme.
  • If a policyholder becomes resident in the United States or its territories* we reserve the right to place restrictions on the policy.

    Policy holders should also be aware that policies have not been designed to qualify for favourable tax treatment as a life policy or an annuity under US tax laws. Consequently, during any period that a policy holder is US taxpayer, income or capital growth on a policy is likely to be subject to current taxation in the US.

    *United States means the United States of America, its territories and possessions, any State of the United States and the District of Columbia.
  • The information on this website is not to be reproduced, copied or made available to others. Any research or analysis used in the preparation of this website has been procured by LCL International Life Assurance Company Limited for its own use.
  • "Intellectual Property Rights" means any patents, copyright, database rights, design rights, registered designs, trade marks or service marks, trade names or ‘know-how’ (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world.

    All intellectual property rights on this website are owned by or licensed to LCL International Life Assurance Company Limited, and may not be reproduced or copied except as set out below.

    The contents of this website are © Charles Taylor plc 2012. The reproduction of any material present on this website is prohibited, except that you may print or download extracts for non-business use.
  • Past performance is no guarantee of future performance. The price of investments and the income from them can fall as well as rise and may be affected by exchange rate movements between currencies. An investor may not get back the original amount invested, unlike savings accounts in a bank or building society, where the capital is guaranteed. Any tax reliefs mentioned are those currently available and are subject to change. Their value depends on the personal circumstances of the investor. Specific risks associated with particular investments are detailed in the information pages that relate to those investments.
  • The tax treatment of a policy is dependent on the rules of the country in which the policyholder is taxable.

    The tax and legislation information contained in this website is based on LCL International Life Assurance Company Limited's understanding as at 1 February 2013 and may change in the future. LCL International Life Assurance Company Limited is unable to provide tax or legal guidance and you must always seek professional tax and legal advice.
  • LCL International Life Assurance Company Limited is required to provide copies of Chargeable Event Certificates for UK resident policyholders to the UK Inland Revenue in certain circumstances.
  • LCL International Life Assurance Company Limited would like to remind you that you are entitled to access information held about you, for which an appropriate charge may be made. If the information is found to be inaccurate it will be corrected or deleted.

    We will tell you if we intend to use your information for marketing purposes and we will give you the opportunity to opt out of such marketing if you wish.

    Cookies - We may use cookies to make your experience of our website better.

    The cookies placed on your device as a result of your accessing this website collect information about how visitors use the site, for instance which pages visitors go to most often, and whether they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregate and therefore anonymous. It is only used to improve how a website works. By using our website, you agree that we can place these types of cookies on your device.

    If you log in on this website, the cookies placed on your machine as a result of the log-in are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for, like the secure and private exchange of information, cannot be provided.
  • Certain hypertext links in this website may lead you to websites which are not under the control of Charles Taylor plc. When you activate these, you may leave the LCL International Life Assurance Company Limited website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by LCL International Life Assurance Company Limited.

    LCL International Life Assurance Company Limited accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. LCL International Life Assurance Company Limited accepts no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.
  • The Online Valuations service (Portfolio Bond Policyholder Login) is provided via secure web pages on the website; the pages will have URLs that start with HTTPS rather than HTTP.

    Online Valuations forms part of the website and is subject to the general terms & conditions of use.

    Access to the Online Valuations service is restricted and subject to our approval. In addition, in order to access your login to the Online Valuations service, we require two pieces of information from you to verify that you are authorised to view the details. Firstly a user name is required, secondly a password is needed. Only once the two parts of the data are confirmed as being correctly entered will we allow you access to the Online Valuation service.

    You can change your password at any time.

    All our online services are protected by ‘firewalls’ and generally accepted business security systems for doing business over the Internet. However, no technology can be entirely and totally secure and if you are not completely sure of the safety of your connection, you should not use the website.

    We have the right to terminate or restrict your access to the website at any time. Terms & Conditions shall continue to apply after termination of your access to the website.
  • To help us improve our service, we may record or monitor phone calls.