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Isle of Man Assurance Ltd |
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Isle of Man Assurance currently markets a leading range of innovative inheritance tax (IHT) products. With greater flexibility and enhanced tax savings, when compared to traditional offshore products, these IHT solutions may be appropriate for a range of varying client requirements:
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Flexible Inheritor Plan (FIP)
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Estate Control Bond (ECB)
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Estate Transfer Bond (ETB)
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- Cash based – Diversified cash fund, returning a competitive gross yield.
- Choice of a Bare Trust (PET), single or joint Settlors, or Flexible Trust (Chargeable Lifetime Transfer).
- Pays a guaranteed death benefit on the client’s death.
- Immediate discount for IHT purposes, full guaranteed death benefit outside estate after 7 years.
- Completely flexible access for the client to all growth and some capital.
- Permits a client to take regular or one-off withdrawals from the Bond.
- Income Tax efficient for Beneficiaries.
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- IHT free after seven years (growth immediately).
- Income and capital payable by the Trustees to the Settlor annually if required.
- Flexible access for the Beneficiaries - Money can be paid during Settlor’s lifetime.
- The bond can continue post death of the Settlor, allowing flexible exit routes.
- The bond can be surrendered by the Trustees at any time.
- Chargeable Lifetime Transfer Trust.
- Open architecture.
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- Immediate discount for IHT purposes, fully outside estate after 7 years. Growth outside immediately.
- Flexible access for the Settlor - income and capital available annually if required.
- Income Tax efficient for Beneficiaries.
- Bare Trust (PET), single or joint Settlors.
- The bond is non-surrenderable, allowing the Settlor continued access for the life of the bond.
- Open architecture.
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For further information, please call one of our dedicated Isle of Man based Relationship Managers or one of our regional sales force.
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Paul Wheeler (Relationship Manager) |
01624 681316 |
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David Crellin (Relationship
Manager) |
01624 681212 |
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Brian Chaplain (Sales – Midlands) |
07769 684296 |
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Steve Sharp (Sales – South West) |
07515 032526 |
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Elizabeth Cross (Sales - London) |
07850 777782 |
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Return to Product Partners
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As an independent wrap provider, and because we were formed by IFAs for IFAs, we understand that each one of your clients can have very specific and individual needs. Due to the subjective nature of these needs, we will leave the comparison of the Product Partners up to you.
Please note links within this page may take you away from our website.
Ascentric is a trading name of Investment Funds Direct Limited which is part of the Royal London Group and authorised by the Financial Services Authority No. 114432. Registered in England and Wales number 1610781, VAT number 368524427. Registered Office: 9 Palace Yard Mews, BATH, BA1 2NH, Telephone 0871 423 6100.
Telephone calls may be recorded for training and security purposes.
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