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IAL Frequently Asked Questions
Managing wealth across borders is complex. Here are the questions our clients and advisors ask most about IAL PCC.
1 min read
Will Your UK Pension Be Taxed for Inheritance Tax From 2027? What Expats Need to Know
From 6 April 2027, unused UK pension funds become part of your taxable estate. Here's what changed, who it affects, and what expats abroad should check now.
3 min read
The Real Risk Is Not Market Volatility. It Is Having the Wrong Structure.
Markets move, currencies weaken, tax rules evolve, and families relocate. The real danger is rarely the market itself, it's the structure holding the wealth.
4 min read
What Happens If Your Insurer Goes Under? The Question Nobody Asks Until It's Too Late
Most people pick an offshore policy on growth potential and never ask the one question that actually protects them: what happens if the insurer itself runs into trouble? Here's how reinsurance answers it.
2 min read
Currency Risk: Why the Currency of Your Policy Matters
The currency your policy is denominated in is a real risk decision, not an administrative detail. Here's how to think about it properly.
2 min read
What Documents Do You Need to Open an Offshore Investment Policy?
The onboarding process for an offshore policy is more thorough than a domestic account, but it's predictable. Here's exactly what to expect and prepare in advance.
2 min read
How to Choose an IFA for Cross-Border Wealth Planning
Not every financial advisor is equipped to handle multi-jurisdictional planning. Here's what to look for when your financial life spans more than one country.
2 min read
Digital Nomads and Wealth Structuring: What Tax Residency Really Means
Working from anywhere doesn't mean you're taxed nowhere. Digital nomads face a genuinely complex tax residency picture that most people underestimate until it becomes a problem.
2 min read
PFIC Rules: Why US Citizens Abroad Need to Be Careful With Offshore Investments
Passive Foreign Investment Company rules can turn an ordinary offshore fund into a serious US tax and reporting burden for American expats. Here's what to watch for.
2 min read
Mauritius vs Isle of Man vs Bermuda: Comparing Offshore Insurance Jurisdictions
Not all offshore insurance jurisdictions are equivalent. Regulatory framework, tax treaty network, and reputation all matter when choosing where a policy is issued.
2 min read
Estate Tax Exposure for Non-US Residents Holding US Assets
Non-resident foreign nationals face a far smaller US estate tax exemption than US citizens. Life insurance is one of the most direct tools available to close that gap.
2 min read
SIPP or QNUPS: How to Choose the Right International Pension Structure
Both SIPPs and QNUPS support flexible retirement planning for internationally mobile clients, but the right choice depends on residency, UK connections, and long-term plans.
2 min read
What Happens to Your Offshore Policy When You Move Countries?
One of the most common concerns clients raise before committing to an offshore policy: does it actually travel with them? Here's how portability works in practice.
2 min read
Offshore Bonds vs Onshore Bonds: What's the Real Difference?
The terms sound similar, but the tax treatment, jurisdiction, and portability of offshore and onshore investment bonds differ in ways that matter for cross-border planning.
2 min read
FATCA and CRS Explained: What Cross-Border Reporting Means for You
FATCA and CRS are the two frameworks behind almost all international financial reporting today. Here's what they actually require, and why full compliance is a feature, not a limitation.
2 min read
What Is PPLI? Private Placement Life Insurance Explained
Private Placement Life Insurance combines a death benefit with a segregated, professionally managed investment portfolio inside a tax-efficient legal wrapper. Here's how it actually works.
2 min read


MOST PEOPLE THINK WEALTH PLANNING IS ABOUT PICKING INVESTMENTS.
Most people think wealth planning means choosing investments. IAL argues it's really about building a structure that survives changing countries, rules and circumstances.
1 min read


Why "It's Complicated" Isn't a Strategy for Cross-Border Portfolios
Multi-currency portfolios and cross-border clients rarely speak one language. Here's how our Linked Investment Policy turns that complexity into one clean, compliant wrapper.
1 min read


Opportunities Without Borders
We believe wealth should move as freely as ambition. Here's how our Protected Cell Company structure and Mauritius base support globally mobile clients across 100+ countries.
1 min read
Year-End Wealth Reviews: A Structure Checklist for Advisors and Their Clients
Year-end often triggers portfolio reviews, relocations and succession decisions. Before any of that happens, it's worth checking whether the underlying structure is actually built to hold up.
2 min read
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