Benefits

There are several reasons why our International Prudence Bond (IPB) could be a good choice for your clients.

Why IPB could suit your clients

Our International Prudence Bond (IPB) is a medium to long term investment through a life insurance plan offering the tax advantages of a Dublin-based bond combined with the following unique range of funds:

• Equity and managed multi-asset funds which utilise the asset allocation expertise of the Portfolio Management Group and offer a truly global investment perspective
• PruFund Range of Funds

It can also offer your clients:

• 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

It's an effective and efficient way to access a powerful range of investment solutions that cater for a variety of investor needs.

For more information on IPB, please see the following documents or get in touch with your Account Manager.