Premiere Account

A comprehensive solution for investors

Investing through the Isle of Man offers UK investors 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 one of the leading investment bond providers and has developed over time to meet the changing needs of advisers and clients.

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

  • The tax efficient growth of an investment based on the Isle of Man means that for a UK resident any growth achieved in the Account is not subject to UK tax although UK tax may apply when any profit is brought back into the UK.

  • Available as a life assurance bond that will end on the death of the last surviving life assured or as a capital redemption bond with a 99-year term.

  • A choice of charging options offering flexibility for different clients.

  • The Account can be denominated in one of a choice of currencies; sterling, US Dollars and euros.

  • The Account is issued as a series of up to 998 individual policies allowing tax efficiency when withdrawing money.

  • It offers the ability to use multiple investment solutions at any time, allowing investors to mix and match between funds, cash deposits, discretionary managers and investment platforms.

  • Investors can appoint fund advisers on a discretionary or non-discretionary basis, with fees being paid outside of the 5% tax-deferred withdrawal facility.

  • For trustees, it can offer an easy method of investing.

The Account is true open architecture – this means that almost any collective fund from around the world can be used, as can cash deposits, investment platforms or discretionary investment managers.

It is possible to use multiple funds, platforms and discretionary managers and the investments can be changed at any time. The list of platforms and discretionary managers is always evolving and being added to.


The value of investments can fall as well as rise.

The Premiere Account will appeal to UK resident investors with at least £100,000 to invest who are looking for the tax efficiency of an international investment with a range of investment options.

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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.