Premiere Account

A comprehensive solution for investors

Investing through an Isle of Man provider can offer 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 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 clients and advisers.

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 and ad hoc payments, either through partial surrender or segment surrender. They also have a choice of currencies which can be attractive to investors who do not want to link their investment to Sterling.

Click here to view the product related Key Information Document

  • 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 it 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.

  • The Account can be denominated in one of a choice of currencies; Sterling, US dollars and euro.

  • There is a choice of charging options offering flexibility for different clients.

  • The Account can be issued as a series of up to 99,999 individual policies allowing tax efficiency when withdrawing money.

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

  • 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 allowance.

  • Assigned segments can be independently managed with different investment profiles for each recipient.

The Account is true open architecture – this means that almost any collective fund from around the world can be used, as can cash deposits and any of the 40 or so investment platforms or 150+ discretionary managers that we already have agreements in place with. The list of platforms and discretionary managers is always evolving and being added to .

It is possible to use multiple funds, platforms and discretionary managers and the investments can be changed at any time.

The Premiere Account will appeal to UK resident investors with at least £50,000 to invest who are looking for the tax efficiency of an international investment with a range of investment options.

The value of investments can fall as well as rise.


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"Working with his professional adviser, Ben plans to retire at 55 and is looking to restructure his investments to provide a flexible tax-efficient income."
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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.

Stonehaven UK Limited and MGM Advantage Life Limited, trading as Canada Life, are subsidiaries of The Canada Life Group (U.K.) Limited. Stonehaven UK Ltd is authorised and regulated by the Financial Conduct Authority. MGM Advantage Life Limited is authorised and regulated by the Financial Conduct Authority.