Save And Invest Product Delta Account 1360X784

Delta Account

Our simple, offshore investment bond

Introducing our Delta Account

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.

Key benefits

Money 5 43
Tax-efficient growth on your account
Tablet 1
Unlimited free switching between funds
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Choose to hold your bond in sterling, euro or US dollars
Additional Borrowing
Option to get a regular income from your investment

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.

Is it right for me?

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

This product has won 3 awards.

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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
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Also worth knowing

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Client documents

To find out more about our Delta account download our latest key features guide.

Delta Account key features

Next steps

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