Onshore
Issued in the UK, we pay the tax on any income and gains within the funds. This means basic rate taxpayers won’t pay any more income tax when the bond is cashed-in.
Helping you reach your life goals
Our range of UK and International investment accounts are designed to help you achieve your goals, whatever stage of life you’re at. Whether you want a straightforward investment bond to help make the most of your money, or an account that gives you greater flexibility and choice over your investments.
Issued in the UK, we pay the tax on any income and gains within the funds. This means basic rate taxpayers won’t pay any more income tax when the bond is cashed-in.
Issued outside of the UK, often from Ireland and the Isle of Man. These bonds can be more tax-efficient and offer a wider range of investment options.
A simple, onshore investment bond
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A simple, offshore investment bond
A simple, tax-efficient savings plan
Our most flexible offshore accounts
Greater protection for large investments
The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on the type of investment and individual circumstances and may change.
Select Account | Premiere Account | Premiere Europe Account | Delta Account | Elite and Prestige Accounts | Offshore Savings Account | |
---|---|---|---|---|---|---|
Issued from | Canada Life (UK) | Canada Life International (Isle of Man) | Canada Life International Assurance (Ireland) | Canada Life International (Isle of Man) | CLI Institutional (Isle of Man) | Canada Life International (Isle of Man) |
Minimum initial investment | £5,000 | £50,000 | £50,000 | £3,000 | £1 million | Zero (or £7,500 if regular premiums are not used) |
Regular premium option | No | Yes, minimum of £2,500 a month | Yes, minimum of £2,500 a month | No | No | Yes, minimum of £500 a month |
Investment choice | Over 150 insured UK life funds | Any permissible fund plus cash deposits and the segregated portfolio service | Any permissible fund plus cash deposits and the segregated portfolio service | Over 150 insured Isle of Man life funds | Any permissible fund plus cash deposits | Over 150 insured Isle of Man life funds |
Maximum number of sub-policies | 999 | 99,999 | 99,999 | 10 | 998 | 10 |
Bond currency | £ | £ $ € | £ $ € | £ $ € | £ $ € | £ $ € |
Free fund switching | Yes | No | No | Yes | No | Yes |
Platform / DFM links | No | Yes | Yes | No | Yes | No |
Capital redemption option | No | Yes | Yes | No | Yes | No |
Learn more | Learn more | Learn more | Learn more | Learn more | Learn more |
Discover investments bonds with information about onshore and offshore bonds
Guide to investment bondsGet a tailored quote for this product from a financial adviser. To find one, visit Unbiased.
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