On-Demand Events
Paraplanners Assembly 2025: A guide to investment bond essentials
15 Apr 25 60 min watch
How often do you recommend investment bonds compared to Individual Savings Accounts or General Investment Account for non-pension money these days?
If it’s rarely or not at all, that’s not so surprising.
Because bonds seem to have become a bit neglected planning option in recent years haven’t they?
It’s a trend which means that paraplanners can be forgiven for being a bit rusty when it comes to the latest investment bond knowledge.
Yet they’re an option which offers plenty of planning potential.
Barrie Dawson (Senior Technical Manager, M&G)
Richard Allum (Paraplanners’ Assembly)
60 minute video (approximately) I Structured CPD accredited by CII and CISI
Learning outcomes
By the end of this session, you will be able to:
- Know what bonds actually are
- Common jargon (thats misunderstood)
- How bonds are taxed internally - any why the 20% tax rate misunderstanding persists
- When bonds make sense: practical comparisons with other investment options
Claiming your CPD
1. Ben was the sole applicant for a bond set up in 2005. Ben and ex-wife Sarah are lives assured on a joint-life 2nd death basis. If Ben dies before his ex-wife, which of the following statements is true?
A) The bond automatically ends on Ben’s death as he’s the sole owner.
B) Sarah will become the sole owner due to joint tenancy survivorship rules.
C) Beneficial ownership will be dictated by the terms of John’s Will.
D) If the bond is assigned, the new owner will need to be added as a life assured.
2. Legal ownership of a bond cannot be transferred to someone not named as life assured. Is this statement true or false?
A) True
B) False
3. Regarding bond segments, which of the following statements is incorrect?
A) If the intention is to assign segments equally between estate or trust beneficiaries, the bond should be set up with a number of segments divisible by the number of beneficiaries.
B) The number of segments is never relevant if the owner is the sole life assured.
C) Segments can be surrendered or assigned independently.
D) A higher number of segments could help with tax planning opportunities.
1. Ben was the sole applicant for a bond set up in 2005. Ben and ex-wife Sarah are lives assured on a joint-life 2nd death basis. If Ben dies before his ex-wife, which of the following statements is true?
A) The bond automatically ends on Ben’s death as he’s the sole owner.
B) Sarah will become the sole owner due to joint tenancy survivorship rules.
C) Beneficial ownership will be dictated by the terms of John’s Will.
D) If the bond is assigned, the new owner will need to be added as a life assured.
2. Legal ownership of a bond cannot be transferred to someone not named as life assured. Is this statement true or false?
A) True
B) False
3. Regarding bond segments, which of the following statements is incorrect?
A) If the intention is to assign segments equally between estate or trust beneficiaries, the bond should be set up with a number of segments divisible by the number of beneficiaries.
B) The number of segments is never relevant if the owner is the sole life assured.
C) Segments can be surrendered or assigned independently.
D) A higher number of segments could help with tax planning opportunities.
Before collecting your certificate, please take a moment to provide us feedback on this session, please email prudential.distribution.team@prudential.co.uk
Complete the form below and we’ll email your CPD confirmation to you. Please use the email address that you would usually use when contacting us.
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