The CIB is a single premium, unit linked bond. It has a Defaqto 5 Star Rating, marking it as one of the leading onshore bonds in the market. With access to over 1,300 funds with multiple share classes, a beneficial Product/Service Charge for multiple investments and client linking, it’s no surprise that the CIB has been consistently placed top for Defaqto comparisons against other providers’ unit-linked bonds.
The CIB allows your client to take tax-efficient withdrawals, whilst providing a small amount of life cover. It can be set up on a single life or joint life last death basis with up to 10 lives assured.
Other Benefits of the CIB include:
- a structure of 1,000 life assurance policies, allowing withdrawals to be managed tax-efficiently, helping to mitigate chargeable events
- access to a portfolio optimisation tools for onshore bonds
- automatic rebalancing functionality, allowing the funds within the bond to be switched automatically at a frequency you choose
- access to our outsourced investment solution, the WealthSelect Managed Portfolio Service, which offers both passive and growth portfolios optimised specifically for the onshore bond.