Nordben Life
and Pension Insurance Co. Limited

Nordben is jointly owned by four leading Nordic insurance companies: SPP of Sweden, Storebrand of Norway, Mandatum Life of Finland, and Varma of Finland. Created in 1985 to provide flexible insurance and pension solutions for expatriates, third-country nationals, and local key personnel, Nordben has grown rapidly and now has over EUR 750 million (USD 1,103 million) in assets and an annual premium of over EUR 65 million (USD 95.5 million).

Nordben offers life and disability benefits as well as a range of pension products for the multinational company wishing to establish an international or offshore pension plan. Policies may be denominated in a variety of currencies.

Nordben is based in Guernsey in the Channel Islands. The benefits of being based in Guernsey can be summarized as follows:

• Leading Financial Services Center
• Europe's Largest Captive Insurance Domicile
• Adherence to an International Standard
• Policyholder Protection
• No Exchange Controls
• No Taxation on Policyholder Funds
• Politically Stable

Nordben has been an IGP Network Partner since 2000.

Key Products

• Lump Sum on Death
• Accidental Death
• Widow's and Orphans' Pensions

• Disability Pension or Lump Sum
• Waiver of Pension Contributions
• Accidental Permanent Partial Disability

• Annuities
• Defined Benefit Plans
• Defined Contribution Plans
• Deposit Administration
• Managed Funds
• Unit-Linked Funds

Nordben is located on the internet at: www.nordben.com.