Investment bonds to meet your clients’ needs

With investment solutions from three different jurisdictions, we provide a range of flexible, tax-efficient options for growing and managing your clients’ wealth. Offering a wide range of investment options, from a carefully selected range of funds to full open architecture, you can build solutions to meet your clients’ risk profile and help meet their objectives.

Jurisdicitons
UK
Isle of Man
Ireland

Webinar Events

Dates Topics Actions
17/11/2017 Using trusts for estate planning Watch the recording >
29/11/2017 Budget update and planning for the new tax year Watch the recording >
02/11/2017 DGT Webinar- how to get the most from the trust Watch the recording >
26/09/2017 Bonds vs Collectives Support material >
27/09/2017 The benefits of Investment Bonds Support material >
28/09/2017 International vs Onshore – Investment bonds put through their paces Support material >
03/10/2017 Bonds and IHT planning - a question of Trust? Support material >
04/10/2017 Planning an exit Support material >
05/10/2017 Investment Bonds and retirement planning Support material >

News and Video

ican guide to investment bonds and UK tax

Take a look at our guide which is designed to help you understand the tax position for UK residents considering the use of investment bonds.

Product Summeries Title

Combining retirement and estate planning
Whether it’s a comprehensive range of top funds to invest in, the ability to select how they take a tax-efficient income or flexibility on how they pay for your advice, the Select Account put you and your clients in control. The Select Account allows your clients to access income and capital from their investments without incurring any penalties, within a competitive and transparent charging structure.

The Account is a tax efficient solution for investors because tax is accounted for in the investment, so no basic rate tax liability will exist when a chargeable event occurs. The Discounted Gift Trust (DGT) option allows your clients to invest a lump sum and receive regular payments from the trust. As these payments utilise the tax deferred withdrawal facility from an investment bond, there is usually no immediate tax liability. Within the Select Account DGT, the capital value is called the discount and sits outside of the client’s estate immediately with the balance of the payment being a chargeable lifetime transfer or a potentially exempt transfer depending on what type of trust is used. This means that the whole investment can be outside the client’s estate after seven years and the growth is outside from outset.

Further information
Select Account Key Features
Select Account Application form
Select Account Charges and Fees
Select Account Guide
Client facing Video
Full range of Select Account Literature

Discover other international solutions

A comprehensive solution for investors
Investing through an Isle of Man provider offers a UK investor significant tax advantages. Combining these with an investment bond offering a comprehensive range of investment options can be a very attractive solution for the right clients.

The award-winning Premiere Account (the 'Account') from Canada Life International offers all the benefits you would expect from a leading investment bond provider and has developed over time to meet the changing needs of advisers and clients.

The Account is available on a life assurance basis, linking the bond to the death of the last surviving life assured, or on a capital redemption basis with a fixed term of 99-years, removing the need to select lives assured.

Your clients have access to regular withdrawals or ad hoc payments, either through partial surrender or segment surrender, and a choice of currencies which can be attractive to investors who do not want to link their investment to sterling; such as for those planning to move abroad and are looking to reduce the effect of currency risk.

Further information

Premiere Account Key Features
Premiere Account Application form
Premiere Account Charges and Fees
Premiere Account Guide
Client facing Video
Full range of Premiere Account Literature

Discover other international solutions

A comprehensive solution for investors
Investing through an EU-based provider in Ireland offers a UK investor significant tax advantages. Combining these with an investment bond offering a comprehensive range of investment options can be a very attractive solution for the right clients.

The award-winning Premiere Europe Account ( the 'Account) from Canada Life International Assurance (Ireland) offers all the benefits you would expect from one of the leading investment bond providers and has developed over time to meet the changing needs of advisers and clients.

The Account is available on a life assurance basis, linking the bond to the death of the last surviving life assured, or on a capital redemption basis with a fixed term of 99 years, removing the need to select lives assured.

Your clients have access to regular withdrawals or ad hoc payments, either through partial surrender or segment surrender and a choice of currencies which can be attractive to investors who do not want to link their investment to sterling; such as those who are planning to move abroad and want to reduce the effect of currency risk.

Further information
Premiere Europe Account Key Features
Premiere Europe Account Application form
Premiere Europe Account Charges and Fees
Premiere Europe Account Guide
Client facing Video
Full range of Premiere Europe Account Literature

Discover other international solutions

The value of investments can fall as well as rise.

This website is for UK professional advisers only and is not approved for use by private customers.

Canada Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Canada Life International Limited and CLI Institutional Limited are Isle of Man registered companies authorised and regulated by the Isle of Man Financial Services Authority.

Canada Life International Assurance (Ireland) DAC is authorised and regulated by the Central Bank of Ireland.