Lump sum vs regular savings: which IAL product is right for your client?

Two of IAL's most-recommended products - the Linked Investment Policy (LIP) and the Regular Savings Plan (RSP) - are built for different client profiles and different wealth goals. Choosing the right one comes down to four questions: how much capital does the client have now, how much can they commit regularly, what is their investment horizon, and what is the primary objective?

The Linked Investment Policy - for clients with capital to deploy

Also known as a Portfolio Bond or Offshore Bond, the LIP is a lump sum investment wrapper for clients with capital to deploy. It is designed for high-net-worth individuals, family offices, and clients with inheritance, property proceeds, or business liquidity to invest.

• Open-architecture access to equities, ETFs, bonds, hedge funds, private equity, real estate, structured notes, and digital assets

• Tax-deferred growth - no tax on internal income or gains within the policy

• Estate planning - direct beneficiary payouts with no probate delays

• No lock-in period - full or partial access anytime

• Assignable and transferable across generations

  
  

The Regular Savings Plan - for clients building wealth over time

The RSP is designed for clients who want to build wealth systematically - through retirement, education planning, or long-term capital accumulation. Minimum annual contribution is USD 12,000 (or equivalent in EUR or GBP), payable monthly, quarterly, semi-annually, or annually.

• Flexible contributions - increase, decrease, suspend, or top up at any time

• No fixed policy term - save at the client's pace

• Tax-efficient growth in a Mauritius-regulated structure

• 24/7 online portal access for both advisor and client

• Globally portable - the plan continues when the client relocates

  
  

Which one for which client?

The LIP suits clients who have accumulated capital and want to invest it efficiently in a legally protected, tax-optimised offshore structure. The RSP suits clients who are still in the accumulation phase - building towards a financial goal over 5, 10, or 20 years.

Many IAL clients hold both - deploying existing capital into an LIP while building future wealth through an RSP. Both products benefit from the same PCC ring-fencing, hard currency denomination, and AA+ reinsurance protection.

Speak to your IAL representative or download our product literature for full terms and comparison details.

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International Assurance Limited PCC does not provide financial, investment, tax, or legal advice. All decisions should be made in consultation with appropriately qualified professional advisors, based on the client's individual circumstances, objectives, risk profile, and jurisdictional requirements.