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

  • A 101% death benefit if the assured is 75 or under, if they are 76 or over the death benefit is 100.1%

  • 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