INTRODUCTION 1. Home page 2. Printing 3. Search filter 4. List of policies 5. General navigation

Transcription

1 E-CLUB USER GUIDE

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3 CONTENTS INTRODUCTION 1. Home page 2. Printing 3. Search filter 4. List of policies 5. General navigation GENERAL POLICY INFORMATION 1. Value creation overview 2. Composition 3. Performance 4. History 5. Premiums 6. Cover 7. Documents 8. Fees 9. Request status 10. Tax Simulation 11. Funds CONTACT US E-CLUB USER GUIDE I I 3

4 INTRODUCTION E-CLUB USER GUIDE I I 4

5 1. INTRODUCTION E-club is a portfolio consultation tool accessible both to intermediaries and clients This user-friendly tool can be used to look up general policy information, details of the funds and any underlying components, performance, cover arranged and transaction history (e.g. payments, redemptions, etc.) A PDF or XLS file can be generated from some screens for printing E-CLUB USER GUIDE I I 5

6 2. HOME PAGE On the home page you will find links to the most useful functions, as well as a helpful user guide E-CLUB USER GUIDE I I 6

7 3. PRINTING If a PDF is available, you can choose the language when generating the file E-CLUB USER GUIDE I I 7

8 4. SEARCH FILTER The search filter accessible via "your portfolio" allows you to search using different criteria (product, client number, policy number, fund) The filter only covers the products and funds in your portfolio E-CLUB USER GUIDE I I 8

9 5. LIST OF POLICIES The list of policies corresponds to your search criteria from the previous filter. To see more information, select the policy or policies you would like to look at. Like other tables in e-club, the columns can be sorted (click on the heading) E-CLUB USER GUIDE I I 9

10 5. LIST OF POLICIES EFFECTIVE DATE 1 It is possible to filter policies by effective date (1) and to view the results (2) by year or product (3) 2 3 E-CLUB USER GUIDE I I 10

11 5. LIST OF POLICIES BATCH PRINTING Print several policies with the same valuation date in a single PDF, or one PDF per policy, or just the statement and/or the underlying components E-CLUB USER GUIDE I I 11

12 6. GENERAL NAVIGATION You can navigate within the policy using tabs: Value creation overview Composition Performance History Premiums Cover Documents Request status E-CLUB USER GUIDE I I 12

13 GENERAL POLICY INFORMATION E-CLUB USER GUIDE I I 13

14 1. VALUE CREATION OVERVIEW In the value creation overview, you can see the general policy information Printable PDF version with choice of language E-CLUB USER GUIDE I I 14

15 2. COMPOSITION The composition shows all funds in which the policy is invested. It is possible to change the value date. All the latest NAVs as of the date requested are shown There is one line per fund with the value in euros for each fund and the total Fund details Information on underlying components E-CLUB USER GUIDE I I 15

16 2. COMPOSITION DETAILS OF UNDERLYING COMPONENTS The underlying of the Internal Dedicated Funds components are available on the last day of each This list can be printed in several languages E-CLUB USER GUIDE I I 16

17 2. COMPOSITION CATEGORIES OF UNDERLYING COMPONENTS A pie chart illustrates the distribution of the funds depending on the type of asset and/or currency The categories of underlying components are only available for certain funds E-CLUB USER GUIDE I I 17

18 2. COMPOSITION FUND DETAILS Information about the fund is available from the composition page. This contains the general fund details, in addition to NAV performance In addition to the fund's performance in this policy, we can see the corresponding gain or loss By selecting the desired period, the NAV graph is updated E-CLUB USER GUIDE I I 18

19 2. COMPOSITION PRINTING You can generate a PDF file with a choice of several languages from the composition page. This will contain the policy details (policy and client number, date), in addition to details of the funds. This file is generated at the same date as the composition, and so it is possible to change it E-CLUB USER GUIDE I I 19

20 2. COMPOSITION SWITCHING To make switching easier and more intuitive, e-club has a comprehensive module that will guide you step-bystep through the process You can choose the funds available in the catalogue and view the new distribution of your funds. The PDF file generated should be signed and sent to the company The "Submit online" button allows you to send the switching request electronically. This will be processed as soon as possible by the company. This function is available on request (contact the help desk) E-CLUB USER GUIDE I I 20

21 3. PERFORMANCE Performance of the total Start and end dates of the calculation period. Annualised rate only if the period exceeds one year Details of redemptions and payments Totals taken into account for the performance calculation E-CLUB USER GUIDE I I 21

22 4. HISTORY The history page provides a summary of policy transactions (redemptions, payments, management fees, switches). Each transaction is detailed in UC and amount You can filter the history by fund and transaction. You can open an associated document directly by clicking on a line. The history can also be printed E-CLUB USER GUIDE I I 22

23 5. PREMIUMS The premiums page shows all amounts received under the policy E-CLUB USER GUIDE I I 23

24 6. COVER The cover page contains a summary of all cover arranged under the policy, with the start and end dates and premiums E-CLUB USER GUIDE I I 24

25 7. DOCUMENTS This page lists all the documents issued for this policy. You can filter the documents by date and type E-CLUB USER GUIDE I I 25

26 8. FEES Fees are shown on two screens Details Statements : This is an electronic version of the paper statement you receive E-CLUB USER GUIDE I I 26

27 8. BREAKDOWN OF FEES In e-club, it is now possible to view the summary of fees and export the data to Excel. A filter can be used to set a date range and to choose the product or fund The dynamic table illustrating contribution, management and retrocession fees (per funds and per contracts) NB: the paper statement is the official version Retrocession per contract E-CLUB USER GUIDE I I 27

28 9. REQUEST STATUS The request status allows you to check the progress of requests sent to the company at any time You can access this via your portfolio/request status follow-up on demands A new request status page is accessible directly when viewing a policy (life or P&C) E-CLUB USER GUIDE I I 28

29 10. TAX SIMULATION FRANCE (ONLY FOR INTERMEDIARIES) The tool for simulation of purchase allows to calculate the tax impact of a withdrawal or surrender and to determine which gross amount is to withdraw in order to obtain the desired net amount E-CLUB USER GUIDE I I 29

30 10. TAX SIMULATION ITALY (ONLY FOR INTERMEDIARIES) The tool for simulation of purchase allows to calculate the tax impact of a withdrawal or surrender and to determine which gross amount is to withdraw in order to obtain the desired net amount E-CLUB USER GUIDE I I 30

31 11. FUNDS You can search funds based on several criteria Printing a PDF or XLS from the list E-CLUB USER GUIDE I I 31

32 DISCLAIMER This document is for information purposes and does not constitute advice or a solicitation to sell or buy an insurance product. The information in this document, which may be provided by an external service provider, is intended merely as a guide and may not be construed as providing legal, financial or tax advice. It is valid only at the time it is given and does not give rise to any commitment relating to its completeness, accuracy or current relevance. All of the information presented is based on Cardif Lux Vie's understanding of the laws of the Grand Duchy of Luxembourg, or any other jurisdiction concerned, in force at the time of publication of this document. Cardif Lux Vie shall not be held liable for any changes in these laws or practices. The information provided is not intended to replace the reader's knowledge and skill, and must therefore only be used in conjunction with the advice of a qualified independent professional. Cardif Lux Vie shall not be liable to the user of this information and the direct and indirect consequences arising therefrom. The information in this document is protected by intellectual property rights, namely author's rights, which shall remain the property of the author at all times. This information is intended for users only and may not be forwarded, reproduced or sold to third parties, in any form whatsoever, without the prior written agreement of Cardif Lux Vie. E-CLUB USER GUIDE I I 32

33 CONTACT E-CLUB E-CLUB GUIDA USER PER L USO GUIDE I I I I 33

34 CONTACT US SALES SUPPORT RETAIL (+352) SALES SUPPORT TEAM WEALTH MANAGEMENT (+352) EMPLOYEE BENEFITS (+352) HELPDESK +(352) E-CLUB USER GUIDE I I 34

35 NOTES E-CLUB USER GUIDE I I 35

36 CARDIF LUX VIE REGISTERED OFFICE Avenue de la Porte-Neuve L-2227 Luxembourg POSTAL ADDRESS B.P. 691 L-2016 Luxembourg CONTACT Tel: Fax: TCR TCR Luxembourg: B47240 E-CLUB USER GUIDE I I 36