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PRODUCT SUMMARY
Preserve what matters, grow what’s next.
International Assurance’s Linked Investment Policy (LIP) is a single-premium investment solution with no maturity date, designed for individuals, corporates, and trusts seeking to place capital within a compliant, internationally portable structure. The policy provides a disciplined framework for investing and managing wealth over the long term, while supporting succession planning and cross-border continuity.
Distributed through Independent Financial Advisors, the Linked Investment Policy enables capital to be invested and managed within a single policy structure, with the policy value directly linked to the performance of the underlying assets selected by the appointed advisors and their clients. The policy combines the legal structure of life insurance with access to a wide range of investment instruments (including bonds and other asset classes), providing exposure to a broad range of global markets, subject to policy terms and applicable regulations.
Designed for internationally mobile and high-net-worth investors, the policy offers hard-currency denomination, structured beneficiary designation, and flexibility to accommodate changing personal, family, or business circumstances. Assets attributable to each policy are legally segregated within International Assurance’s Protected Cell Company (PCC) structure and held with recognised global custodians.
The insurance risk is supported by leading international reinsurance partners, providing institutional-grade backing and operational resilience. Through its combination of investment flexibility, insurance-based structuring, and regulatory oversight, the Linked Investment Policy offers a robust solution for long-term wealth structuring across jurisdictions.
LUMP SUM INVESTMENT PLAN
Where smart money meets long-term protection
KEY BENEFITS
Full Control of Investments
Retain discretion over strategy, asset allocation, and portfolio changes, without insurer-imposed constraints
Tax-Efficient Wealth Structuring
Single-premium, no maturity date
Open Architecture Access
Advisor-led investment selection within an open-architecture framework
No Lock-In Periods
Access, adjust, or restructure capital without restrictive holding periods or exit penalties
Asset Protection
Legal asset segregation within a Protected Cell Company (PCC) structure
Reinsurance Secured
Supported by globally recognised reinsurance partners
Multi-Currency Denomination
Hard-currency policy denomination in USD, EUR, GBP or other
Estate Planning Benefits
Structured beneficiary and succession planning features
Beneficiary Flexibility
Update beneficiaries and succession intentions as personal, family, or jurisdictional circumstances evolve
Secure Global Custody
Assets held with recognised global custodians
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FAQs
A Lump Sum Investment Plan is designed for high-net-worth individuals, internationally mobile investors, business owners, trusts, family offices, and wealth planning structures seeking a flexible and tax-efficient approach to global investing.
The policy combines investment flexibility, estate planning benefits, asset protection features, and international portability within a regulated life insurance framework, making it particularly suitable for clients with cross-border wealth planning requirements.
The minimum initial premium for a Lump Sum Investment Plan is typically USD 50,000 (or currency equivalent), subject to policy terms and acceptance criteria.
Additional contributions may generally be made from USD 5,000, allowing policyholders to increase their investments over time as their objectives evolve.
Yes. The policy offer flexibility and may allow partial withdrawals or full surrender, subject to policy terms and available fund value.
Unlike many traditional investment structures, it is designed to provide access to capital while maintaining the broader benefits of the policy structure.
Policies can typically be denominated in major international currencies, including USD, EUR, and GBP.
The underlying investments may also be held across multiple currencies, helping internationally diversified investors manage currency exposure more effectively.
Assets held within the Lump Sum Investment Plan benefit from the protections provided by International Assurance's Protected Cell Company (PCC) structure.
Each policy is held within a legally segregated cell, helping ensure assets remain ring-fenced from the liabilities of other policyholders, cells, and the company itself. Assets are typically held with approved international custodians and supported by robust governance, regulatory oversight, and risk management frameworks.
The Lump Sum Investment Plan provides access to a broad range of global investment opportunities through an open-architecture platform.
Depending on the policy structure and custodian arrangements, available investments may include:
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Listed Equities (Shares)
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Exchange-Traded Funds (ETFs)
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Mutual Funds
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Government and Corporate Bonds
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Structured Notes
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Private Equity
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Alternative Investments
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Hedge Funds
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Cash and Money Market Instruments
Investment availability is subject to regulatory, compliance, and liquidity requirements.
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Policyholders can nominate one or more beneficiaries, subject to applicable laws and policy terms.
Beneficiaries may include family members, individuals, trusts, charities, or other eligible entities, helping facilitate efficient succession and estate planning. Beneficiary nominations can generally be updated as circumstances change.
Yes. Depending on the structure, ownership may be held by an individual, trust, corporate entity, family office, or other eligible legal arrangement.
This flexibility makes Linked Investment Policies particularly attractive for sophisticated wealth planning, succession planning, and international asset-holding structures.
Lump Sum Investment Plan are widely used as wealth structuring tools because they can assist with estate planning, succession planning, confidentiality, and the efficient transfer of wealth across generations.
Depending on the policyholder's jurisdiction and personal circumstances, a LIP may also help address probate administration, cross-border succession challenges, and certain inheritance or estate planning considerations. Independent tax and legal advice should always be obtained.
Yes. Lump Sum Investment Plan offer significant investment flexibility.
Policyholders may appoint approved investment advisors, discretionary managers, family offices, or other authorised professionals to manage investments in accordance with the agreed investment mandate and applicable regulatory requirements.
Many investors use a Lump Sum Investment Plan because it combines investment flexibility, international portability, estate planning advantages, asset protection features, and administrative efficiency within a single regulated structure.
For internationally mobile individuals and families, a LIP can provide a more effective framework for managing wealth across multiple jurisdictions while maintaining long-term control and flexibility.