Estate Planning

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For one of the most important decisions you will ever make, Canada Life has the wisdom borne out of a lifetime of preparing for the unexpected. With a track record of delivering estate planning solutions for more than four decades and recognised within the industry as the leading provider of estate planning, we’ll work closely with your adviser to manage the effective transfer of wealth between generations.


Delta Discounted Trust Account

This is a discounted gift trust with an Isle of Man international bond holding the underlying investment. It offers a clear and concise charging structure and access to a range of investment funds from Canada Life and our investment partners.

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Dimensions Preference Discounted Trust Account

This is a discounted gift trust with an Isle of Man international bond holding the underlying investment. It offers access to over 4,000 investment funds from our investment partners and cash deposits issued by overseas institutions.

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Premiere Discounted Trust Account

This is a discounted gift trust with an Isle of Man open-architecture international bond holding the underlying investment. This offers the widest choice of investment options including funds, cash deposits, platforms and discretionary managers.

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Wealth Preservation Account

This trust allows investors to remove money and growth from their estate whilst giving the trustees flexibility over payments back to the investor. It offers full open-architecture with access to funds, platforms and discretionary managers.

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Wealth Preservation Europe Account

Similar to the Wealth Preservation Account, this solution is through a Dublin-based provider allowing the trustees to benefit from the favourable VAT treatment on discretionary management fees.

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Controlled Access Account

This account is designed specifically for a gift into trust for a grandchild when the donor wants the money to be used for the child’s benefit. The trustees control when benefits are paid, even passed the beneficiary’s 18th birthday.

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International Portfolio Bond Discounted Gift Trust

This discounted gift trust uses the flexible Dublin-based international bond with a high level of segmentation and full open-architecture investment options. Investors can benefit from the favourable VAT treatment on discretionary management fees.

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Flexible Life Plan

The Flexible Life Plan is a whole of life plan with a range of product options and different ways in which the cover can be structured, allowing it to be tailored to your client and the underlying investment element.

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Trusts

The use of a suitable trust can remove money from a client’s estate after a period of seven years with the growth outside immediately, reducing the potential inheritance tax payable on their estate. Some even allow an immediate reduction.

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Premiere Europe Discounted Trust Account

Similar to the Premiere Account Discounted Trust Account, this uses an open-architecture international bond through an EU-provider based in Dublin, allowing favourable VAT treatment of discretionary management fees.

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Offshore Savings Account

Coupled with a trust this allows investors to save regular amounts, which could be outside their estate immediately, in an environment where they can grow free of UK income and capital gains tax with the trustees controlling who benefits and when.

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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.