Our goal is to understand our clients’ unique requirements so that we can deliver a policy that meets their aims and service expectations.

With unfettered access to all the key insurance providers, we strive to simplify and streamline the process for you, while securing the best possible terms.

Offshore bonds can form the corner stone of a wider financial planning exercise.

Whilst the use of an insurance bond for UK tax residents should be guided by expert tax advice, put simply, they are a structure that can hold a wide array of investment assets if structured correctly. Once assets are placed inside an insurance bond, UK tax on income and capital gains does not arise within the bond; tax typically falls due when encashments are made or partials are taken exceeding the 5% allowance. This tax deferral can enhance long run portfolio returns and allows the policy owner to plan when and where they meet their tax obligation.

Insurance bonds can also bring administrative simplicity and focus to portfolio assets, whether the investor is UK based or globally mobile.

The policies are offered by major global insurance companies based in jurisdictions such as Ireland, the Isle of Man and Luxembourg. The precise policy terms and the policy situs will reflect the specific needs and circumstances of the client.

These benefits have been reinforced by recent changes in UK legislation, making them even more appealing to investors seeking tax-efficient and globally accessible life insurance solutions.