Can I change my policy once it’s set up?

Yes, our Delta Account is very flexible and you can easily change things like which funds you want to invest in and how much you want to withdraw. Talk to your adviser who’ll be able to help.

How will I know how my investment is doing?

We’ll send you an annual statement, showing you the value of your investment.

What happens if I die?

If you’re the only life assured then we’ll pay a death benefit, which is the value of your investment plus £100, when you die. If there’s more than one life assured, the account can continue until the death of the last life assured, when the death benefit will be paid. By using a trust with your account, you’ll be able to choose who’ll receive the death benefit when you die.

Can I change my mind and cancel my account?

Yes, you can cancel your investment up to 30 days after you receive your policy information.

Delta Account

Our simple, offshore investment bond

A straightforward, tax-efficient way to invest for the future. This offshore bond is based in the Isle of Man, offering significant tax advantages. You can choose from over 150 Canada Life funds and make regular or ad-hoc withdrawals. For this account, you’ll need to invest at least £3,000.

Is the Delta Account right for you?

Choose to hold your bond in sterling, euro or US dollars

Option to get a regular income from your investment

What are the risks?

Your investment is not guaranteed as the value of your investment can go down as well as up. The way funds have performed in the past is no guide to the future and you might get back less than you put in.

This account could be right for you if:

You’re aged between 18 and 89 years old
You have at least £3,000 to invest
You’re happy to invest for at least ten years
You want to invest in a wide choice of insured funds
You’ve already used up your annual ISA allowance
You’ve got other savings and investments to rely on
You want to generate a capital lump sum, an income, or both

This account may not be right for you if:

You have less than £3,000 to invest
You haven’t used up all of your ISA allowance
You might want to withdraw all of your investment straight away
You can’t afford to lose the amount you invest

Fund Centre

Explore all our available funds. See our price lists, fund performance, factsheets and more.

Need an adviser?

Get a tailored quote for this product from a financial adviser. To find one, visit Unbiased.

Frequently asked questions

If you’re the only life assured then we’ll pay a death benefit, which is the value of your investment plus £100, when you die. If there’s more than one life assured, the account can continue until the death of the last life assured, when the death benefit will be paid. By using a trust with your account, you’ll be able to choose who’ll receive the death benefit when you die.