Products

Tax Exempt Savings Plan

This plan has the benefit of life cover if required. Premiums can be paid either monthly or annually. Annual premiums can have the benefit of a feeder account where a single premium is invested. Under current legislation, maximum regular premiums are £25 per month or £270 per annum with terms ranging from 10 to 25 years. There is a guaranteed sum assured that attracts bonuses and once added cannot be taken away. The maturity values are tax free. More >>

Capital Plan

A single premium version of the Tax Exempt Savings Plan. £2500 is invested and an annual contribution of £270 is made for ten years. More >>

Tax Exempt Savings Plan with Life Cover

A regular monthly or annual premium savings plan with a maximum investment of £25 per month or £270 per annum. In the event of death before the end of the term, a guaranteed sum is assured as well as the payment of any bonus accrued. Maturity values are tax-free. More >>

Regular Savings Plan

A regular monthly or annual premium plan, with no upper premium limit. It has a guaranteed sum assured that attracts bonuses and once added cannot be taken away. Term ranges from 10 to 25 years. More >>

Investment Bond

A single premium open term investment that pays a guaranteed sum assured of 103% of the original investment after a minimum of 5 years. The uplifted sum assured attracts bonuses and once added cannot be taken away, providing the policy has run for more than 5 years. More >>

Pension Bond / Trustee Investment Plan

A guaranteed sum assured of 101% of the original investment which under current legislation is exempt from tax with the exception of tax credits on dividends. It is designed to hold money within a SIPP or SAPP for a minimum term of 5 years. More >>

Adult Stocks and Shares ISA

Maximum contribution is £10,680 per tax year and has a mix of assets, therefore is not exposed solely to stock market fluctuations. The contributions attract bonuses. We also accept transfers of cash or other stock and shares from another ISA provider. More >>

Stocks and Shares Junior ISA (JISA)

Invest from as little as £10 per month or a single premium of £100 up to a maximum of £3,600 each tax year. The JISA is available to all UK resident children under the age of 18, who do not have a Child Trust Fund. More>>

Funeral Expenses Plan

The funeral plan is for individuals who would like to save a regular amount during their lifetime in order to provide a guaranteed cash sum on death, whenever that occurs. Premiums are paid monthly throughout life into a tax-exempt fund. The plan is available to individuals aged between 16 and 70. More >>

Child Trust Fund

This is a savings account which was introduced by the Government for all children who were born on or after 1st September 2002, who receive child benefit from them and live in the UK but are not subject to immigration control. More >>