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International Prudence Bond

The International Prudence Bond offers access to a wide range of unit-linked investment funds with the aim of increasing the value of the money your clients invest over the medium to long term (5-10 years).

M&G plc is a leading international savings and investments business, managing money for around 5 million retail clients and more than 800 institutional clients in 26 markets. As at 31 December 2022, we had £342 billion of assets under management and administration.

M&G plc has been helping people plan for their future for over 170 years. Its size and experience puts it in a strong position to invest customers’ money wisely for the medium to long term (5-10 years). M&G plc has investment professionals across the world, centrally co-ordinated M&G Prudential Treasury & Investment Office (T&IO), includes the team formerly known as Prudential Portfolio Management Group.  Which is responsible for high level investment decisions and managing investing risk.

The International Prudence Bond is a medium to long-term open ended insurance bond that offers:

  • Choice of three With-Profits Funds, denominated in Euro, US Dollar And Sterling – managed by Prudential’s renowned Portfolio Management Group based in London, UK

  • Enhanced allocation rate of up to 102.5% of the net premium – no entry fees

  • Loyalty Bonus of 0.2% p.a from the policy’s 6th anniversary

  • Traditional life insurance: Death Benefit of up to 101% of the current policy value

  • Opportunity to top-up the bond*, with the additional amount enjoying the same benefits You do not have to make any further payments into your Bond but you can do so if you wish, at any time. However Prudential International reserves the right to refuse such top-ups, at its absolute discretion.

  • *The maximum premium in a Fund (including any top-ups: additional payments that you make into your Bond after your initial single payment) is €1,500,000, US $1,500,000 or £1,000,000, per person. On a jointly owned Bond, each bondholder will be treated as having invested the full amount.

  • Your bond has no set term

Please note the value of your client's investment can go down as well as up so they might not get back the amount they put in