{"id":139057,"date":"2025-04-24T07:13:00","date_gmt":"2025-04-24T07:13:00","guid":{"rendered":"https:\/\/adamfayed.com\/?p=139057"},"modified":"2025-04-24T07:14:54","modified_gmt":"2025-04-24T07:14:54","slug":"hansard-ascend-review","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/review-articles\/hansard-ascend-review\/","title":{"rendered":"Hansard Ascend Review"},"content":{"rendered":"<p>Ascend is a regular premium unit-linked <a href=\"https:\/\/adamfayed.com\/it\/insurance\/insurance-providers\/\">insurance plan<\/a> offered by Hansard Worldwide Limited, a unit of financial services firm <a href=\"https:\/\/adamfayed.com\/it\/review-articles\/hansard-global-review\/\">Hansard Global<\/a>.<\/p>\n\n\n\n<p>In this Hansard Ascend review, we\u2019ll talk about the product\u2019s main features, charges, as well as advantages and disadvantages, among other key points.<\/p>\n\n\n\n<p>Se state cercando di investire come espatriati o individui con un alto patrimonio netto, che \u00e8 ci\u00f2 in cui sono specializzato, potete inviarmi un'e-mail (hello@adamfayed.com) o un messaggio WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n<p>Questo vale anche per chi \u00e8 alla ricerca di un secondo parere o di investimenti alternativi.<\/p>\n\n\n\n<p>Alcuni fatti potrebbero cambiare rispetto al momento della stesura del presente documento e nulla di quanto qui scritto rappresenta una consulenza finanziaria, legale, fiscale o di qualsiasi tipo, n\u00e9 una sollecitazione a investire.<\/p>\n\n\n\n<p>So, potential investors shouldn&#8217;t base any investment decision on this Hansard product <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/it\/category\/review-articles\/\" title=\"recensione\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"2008\">recensione<\/a> da solo.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Abbonati gratuitamente\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Scopri ora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is Hansard Worldwide Ascend?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.hansard.com\/ascend\/\" target=\"_blank\" rel=\"noopener\">Ascend<\/a> is a flexible investment plan with an insurance wrapper, built for individuals or businesses aiming to grow their wealth over a 5 to 25-year horizon.<\/p>\n\n\n\n<p>Policy management is available around-the-clock via your Hansard online account, and withdrawals are free of penalties at any time.<\/p>\n\n\n\n<p>Ascend offers a loyalty bonus of 0.6% per annum from day one. It jumps to 1% per annum after 10 years or once you\u2019ve contributed for 10 years.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Who can invest in Hansard Ascend?<\/h3>\n\n\n\n<p>Eligible applicants include individuals (age \u226475 at the end of the term) and corporate entities.<\/p>\n\n\n\n<p>For life assurance contracts, the owner and life assured must be under 65 at the contract start.<\/p>\n\n\n\n<p>The investment product targets those who want a simple and flexible online investment solution, plan to invest regularly over the medium to long term, and are looking to diversify their portfolio with international options.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Come investire<\/h3>\n\n\n\n<p>With Ascend, you can customize your plan to suit your <a href=\"https:\/\/adamfayed.com\/it\/financial-planning\/basic-financial-terms-financial-planning-retirement-insurance\/\">financial strategy<\/a>.<\/p>\n\n\n\n<p>You can contribute monthly, quarterly, semi-annually, or annually. The minimum is 300 US dollars, euros, or British pounds per month.<\/p>\n\n\n\n<p>Top-ups can be made at any time with the same 300 minimum. &nbsp;<\/p>\n\n\n\n<p>You can keep your plan in one currency or spread investments across all three major currencies.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Ascend Investment Options<\/h3>\n\n\n\n<p>The investment options include a restricted fund list.<\/p>\n\n\n\n<p>To help control risk during market swings, you can choose the Deposit Fund or customize your investment strategy with access to Hansard Unit-linked Funds.<\/p>\n\n\n\n<p>You also get to choose how your plan is set up: life assurance or capital redemption, based on where you live.<\/p>\n\n\n\n<p>The life assurance option has no fixed end date and will pay out 100.1% of the contract value to your beneficiary or estate upon death.<\/p>\n\n\n\n<p>Meanwhile, the capital redemption contract has a fixed term of 99 years and do not include life cover. Upon the owner&#8217;s death, the policy continues under the beneficiary or estate until the term ends or it is surrendered.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Abbonati gratuitamente\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Scopri ora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hansard Ascend Charges<\/h3>\n\n\n\n<p>The Ascend fees that apply include:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0fAnnual Management Charge<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initial Units: 7% per year<\/li>\n\n\n\n<li>Accumulation and Loyalty Bonus Units: 1.2% per year<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">\u00a0\u2714\ufe0fService Charge<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Active Contracts: 9.50 USD \/ 7 GBP \/ 9 EUR per month<\/li>\n\n\n\n<li>Paid-Up Contracts (when contributions stop during the commitment period):<br>28.50 USD \/ 21 GBP \/ 27 EUR per month<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0fTermination Charge<\/h4>\n\n\n\n<p>If you cancel early, you\u2019ll be billed the annual fees that would\u2019ve applied for the rest of the term.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"801\" height=\"232\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/Hansard-Ascend-Termination-Charges.png\" alt=\"Hansard Ascend Termination Charge\" class=\"wp-image-139062\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/Hansard-Ascend-Termination-Charges.png 801w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/Hansard-Ascend-Termination-Charges-300x87.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/Hansard-Ascend-Termination-Charges-512x148.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/04\/Hansard-Ascend-Termination-Charges-768x222.png 768w\" sizes=\"(max-width: 801px) 100vw, 801px\" \/><figcaption class=\"wp-element-caption\"><sub><sup>source: Hansard<\/sup><\/sub><\/figcaption><\/figure>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">\u2714\ufe0fOther Potential Costs:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Underlying fund charges<\/li>\n\n\n\n<li>Bank transfer fees<\/li>\n\n\n\n<li>Credit card fees<\/li>\n\n\n\n<li>Currency conversion costs<\/li>\n\n\n\n<li>Mandated agent\/advisor fees<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pros and Cons of Hansard Worldwide Ascend<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ascend Hansard Investment Benefits<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Decide how frequently to contribute.<\/li>\n\n\n\n<li>Top-ups can be made any time.<\/li>\n\n\n\n<li>Various international funds are made available.<\/li>\n\n\n\n<li>The life assurance option includes a built-in death benefit.<\/li>\n\n\n\n<li>Provides a loyalty bonus<\/li>\n\n\n\n<li>No penalty costs for withdrawals<\/li>\n\n\n\n<li>Offers easy online account tracking<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Ascend Investment Risks<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initial units are subject to higher annual charges.<\/li>\n\n\n\n<li>Ending your contract early would result in exit charges (termination fees).<\/li>\n\n\n\n<li>Returns depend on market outcomes and are not guaranteed.<\/li>\n\n\n\n<li>Although flexible, the plan targets medium- to long-term commitment.<\/li>\n\n\n\n<li>Should the company become bankrupt, there is no fallback compensation.<\/li>\n\n\n\n<li>You could earn more with this Hansard plan, but it involves a higher level of risk which could result in capital loss.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Overall, it is a decent product, but better options exist.<\/p>\n\n\n\n<p><strong>Siete afflitti dall'indecisione finanziaria? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/become-adams-client\/\">Diventa mio cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fare il quiz sull'idoneit\u00e0 del cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/it\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contatto<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam \u00e8 un autore riconosciuto a livello internazionale in materia finanziaria con oltre 830 milioni di visualizzazioni di risposte su Quora, un libro molto venduto su Amazon e un contributo su Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Ascend is a regular premium unit-linked insurance plan offered by Hansard Worldwide Limited, a unit of financial services firm Hansard Global. In this Hansard Ascend review, we\u2019ll talk about the product\u2019s main features, charges, as well as advantages and disadvantages, among other key points. If you are looking to invest as an expat or high-net-worth [&hellip;]<\/p>","protected":false},"author":14,"featured_media":139065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11534],"tags":[],"class_list":["post-139057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review-articles"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/139057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/comments?post=139057"}],"version-history":[{"count":3,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/139057\/revisions"}],"predecessor-version":[{"id":140373,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/posts\/139057\/revisions\/140373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media\/139065"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/media?parent=139057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/categories?post=139057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/it\/wp-json\/wp\/v2\/tags?post=139057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}