Premiere Account

A comprehensive solution for investors

The award-winning Premiere Account from Canada Life International is an investment bond offering a wide range of investment options in one place. It combines this with the tax efficiency of investing through an Isle of Man company, where the underlying investment can grow free of UK tax, with any personal taxation usually being deferred until any profits are brought back to the UK.

Working with your professional advisers you can construct a portfolio using a combination of funds, cash deposits, investment platforms and discretionary managers. This utilises Canada Life International’s expertise and relationships with other investment providers to offer a competitive, comprehensive solution.

The Account can be linked to one or more lives assured or be written over a fixed term of 99-years.


  • The tax efficient growth of an investment based on the Isle of Man, for UK residents means that any growth in the Account is not subject to UK tax, although it may apply when any profit is brought back into the UK.
  • It is set-up as a series of identical policies, providing flexibility when you want to take money from the investment.
  • The Account can be denominated in Sterling, US dollars or euro – this can be an advantage if you are planning to move abroad and want to reduce the effect of changes in exchange rates.
  • You or your adviser can change the underlying investments at any time without a tax charge.
  • Flexibility, as the individual policies can be gifted to new owners without a tax charge.
  • 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 managers.

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

The value of investments can fall as well as rise and you should speak to a professional adviser to ensure that any investment is suitable for you.

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


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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.