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Your Wealth. In a Cell of Its Own.
- Jul 6
- 2 min read
Updated: Jul 7
Most investment structures pool client assets together. The IAL Linked Investment Policy takes a different approach: each policy is held within its own legally segregated Protected Cell, ring-fenced under Mauritius PCC legislation from the liabilities of every other cell and policyholder.
That segregation is written into Mauritius company law, not just policy wording, meaning one policyholder's cell can never be exposed to another's legal or financial difficulties. Within that structure, the policy supports a broad range of asset classes - equities, bonds, private equity, structured products, alternative investments and digital assets - all managed within a single, internationally recognised wealth planning framework.
This isn't a theoretical safeguard — it's the same structure underpinning IAL's full book of business, currently over USD 3 billion in assets held on behalf of clients in 105+ countries.
The policy can be denominated in USD, EUR or GBP, giving policyholders flexibility over the currency their wealth is held and reported in. Advisors and clients considering the Linked Investment Policy can speak with their financial adviser directly, or visit international-assurance.com for more detail on how the structure works.
Why legal ownership matters
Many investors focus on what they own, but fewer consider how those assets are legally held. The legal structure can influence everything from creditor protection and estate planning to administrative efficiency and long-term continuity.
A Protected Cell Company separates legal ownership at the structural level, helping ensure that each policy remains independent from every other policy issued by the insurer. For advisors working with internationally mobile clients, this distinction can become increasingly important as wealth grows and family circumstances evolve.
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.
