For financial advisers only, not approved for use by retail customers. Click here for the customer website.

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).

  • Funds denominated in euro, sterling and US dollars

  • There is a death benefit of 101% of the full value of the units relating to the investment if the relevant person was 75 or under at the time the investment was made. The death benefit is 100.1% of the cash-in value of the bond if the relevant person was 76 or over when the investment was made. Here "relevant person" refers to the oldest person covered if the life cover is payable when the first person dies or the youngest person covered if the life cover is payable when the last person dies.

  • A minimum investment of only £20,000, €25,000 or $35,000

  • A minimum allocation rate of 100%

  • An Annual Growth Reward - which enhances the growth potential of their investment by adding an extra 0.1% of the bond value from the end of year one, where no regular or partial withdrawals are made

  • Funds featuring smoothing to help reduce the volatility of client investments

  • A top-up facility from £15,000, €20,000 or $25,000

  • Flexible withdrawal options (potentially subject to charges) so your clients can access their funds when it suits them

  • 20 free switches in any 12-month rolling period

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