Is this a legacy or current product?
Confirm the contractual issuer and product documentation that actually governs your account.
Existing plan review
Utmost policy review.
Review your policy with an emphasis on clarity, portfolio fit and next steps. A structured conversation about the policy you already have—not a blanket recommendation to replace it.
Not an official Utmost website · Terms and availability depend on your contract
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Your starting point
Understand what you already have.
Utmost policies may have originated under different product ranges or providers. We start by identifying the exact policy and its applicable conditions.
What to have ready
A recent policy valuation, original schedule and any fee or fund statements you have. Never share login passwords.
A plan-specific discussion
Not all policies are the same.
Any options discussed must be checked against your own policy documentation.Review focus
Three areas worth exploring.
01
Review underlying fund exposure
Assessment depends on current documents, your objectives and the specific contractual conditions.
02
Identify relevant fees and policy features
Assessment depends on current documents, your objectives and the specific contractual conditions.
03
Clarify servicing and withdrawal considerations
Assessment depends on current documents, your objectives and the specific contractual conditions.
Utmost policy questions
What should you check before changing anything?
Some Utmost contracts have a legacy product history. Before discussing costs or access, it is important to identify the original product and any notices changing its administration or terms. The current provider brand alone does not define every policy feature.
How liquid are the underlying investments?
Consider both the policy withdrawal conditions and any restrictions that may apply to the assets inside it.
Who can help with ongoing servicing?
Check the available adviser arrangements and provider process before requesting any changes.
Documents that make a review more useful
Original contract, any transfer or migration notices, current holdings and charges statement.
You can read our guide to understanding a policy valuation before sharing a statement.
Do all Utmost policies have the same surrender conditions?
No. Surrender and withdrawal provisions must be checked against the original contract and any amendments.
For questions about your current adviser, see financial adviser second opinions.
Already know your provider?
Go directly to a review page tailored to your existing plan.
Policy review directory
Your existing provider. A fresh perspective.
Explore reviews for existing plans. Provider names are shown for identification only; no affiliation or endorsement is implied.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Take the next step
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
Choose a convenient time
Prefer to speak with us?
After sending your details, book your free review call directly on this page. You can choose a time that suits your time zone.
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Expat Wealth Desk · Review Call
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Frequently asked
Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.