Insurance Bonds

An insurance bond (or investment bond) is a single premium life assurance policy for the purposes of investment. Due to tax laws they are a common form of investment.

Useful features of Bonds for tax planning scenarios include the tax deferred status, the ability to write the investment in trust and reduce the inheritance tax liability on an estate, and exclusive access to expensive investment links like guaranteed or protected profits funds are to name a few. Bonds can provide income or growth.

You have the choice of different types of fund. The units reflect the value of the assets held in the fund plus any accumulated income.

Insurance Bonds provide a straightforward and effective way to bring together a wide choice of assets into one easy to manage portfolio structure. They are designed to provide the flexibility and diversity required to enable you and your professional Ariannol adviser to construct a portfolio that meets your specific needs with a wide range of assets. Your portfolio can therefore be managed according to your own criteria and risk appetite with the ability to choose and switch between sectors as well as investment groups.

There are generally no time constraints on the duration of investment in an Insurance Bond. The Policy is a whole of life assurance Policy and remains in force until the death of the Relevant Life Assured.

An Insurance Bond allows you to tailor your own investment portfolio from a wide range of funds including, Undertakings of Collective Investments in Transferable Securities (UCITS), Open- Ended Investment Companies (OEICs), Société d’Investissement à Capital Variable (SICAV), unit trusts and other collective investments.

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