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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
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.
Fund centre
Explore all our available funds. See our price lists, fund performance, factsheets and more.
Compare investment products
| 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 |
Also worth knowing
Client documents
To find out more about our Delta account download our latest key features guide.
Next steps
Need an adviser?
Get a tailored quote for this product from a financial adviser. To find one, visit Unbiased.
Customer support
Find answers to commonly asked questions, helpful links, tools and contact details.
