The insurance is issued by OP Life Assurance Company Ltd, with OP cooperative banks acting as its agents. Investment services are provided by OP cooperative banks. The funds are managed by OP Fund Management Company Ltd. The policyholder shall bear the risk of a fall in or loss of the amount of insurance assets. Past performance is no guarantee of future performance. The value of the investment may rise or fall, and therefore the policyholder may lose the capital they have invested partially or in full. Taxation is based on the legislation in force at the time and can change.