.png)
REGULAR SAVINGS PLAN
Build LONG-TERM Wealth, One Contribution at a Time
PRODUCT SUMMARY
A flexible solution to BUILD wealth, one step at a time.
International Assurance’s Regular Savings Plan is a structured, insurance-based long-term savings solution designed to help individuals and families build wealth progressively for future goals such as retirement, education, or major life milestones. The plan promotes disciplined wealth accumulation while maintaining flexibility to adapt to changing personal circumstances.
Distributed through Independent Financial Advisors, the Regular Savings Plan allows contributions to be made on a flexible basis, including monthly, quarterly, semi-annual, annual, and ad-hoc payments. Contributions are allocated to a diversified investment portfolio selected with professional guidance, with policy value linked to the performance of the underlying assets and subject to market movements and policy terms.
Designed for a broad range of individuals, the Regular Savings Plan supports long-term accumulation without fixed policy terms, enabling savers to contribute at their own pace. Premiums can be increased, reduced, suspended, or supplemented with lump sums as circumstances evolve, providing adaptability across different life stages.
The plan supports contributions in major hard currencies, helping preserve purchasing power and long-term value stability. Operating within International Assurance’s regulated insurance and Protected Cell Company (PCC) framework, the Regular Savings Plan provides legal asset segregation, investor protection, and governance oversight.
Policyholders benefit from secure online access to monitor portfolio valuations, contribution history, and investment performance, offering transparency and ongoing visibility throughout the savings journey. Through its combination of disciplined saving, flexibility, tax-efficient growth potential, and accessibility, the Regular Savings Plan offers a practical solution for building long-term financial security within a compliant international structure.
KEY BENEFITS
Disciplined Wealth Accumulation
Build long-term financial security through consistent, structured saving over time
Full Contribution Flexibility
Adjust, increase, reduce, suspend, or supplement contributions as circumstances change
No Fixed Term Commitment
Save at your own pace without being tied to a fixed policy duration
Tax-Efficient Growth
Benefit from investment growth structured for tax efficiency within an insurance framework
Lump Sum Freedom
Add or withdraw ad-hoc lump sums to complement regular contributions
Multi-Currency Contributions
Contribute in major currencies, including USD, EUR, or GBP
Accessible Savings
Maintain visibility and control over savings through secure online portfolio access
24/7 Online Access
Monitor valuations, contribution history, and performance at any time
Open to a Broad Age Range
Available to individuals aged 18 to 65 years
Secure Custodial Structure
Assets held within a regulated insurance and PCC structure providing legal segregation and protection
FAQs
A Regular Savings Plan (RSP) is a long-term savings and investment solution structured within a Linked Investment Policy. It is designed to help individuals build wealth gradually through regular contributions, providing a disciplined approach to saving while allowing the policy’s underlying investments to benefit from potential long-term market growth.
Many investors use a Regular Savings Plan to work towards goals such as retirement, education funding, wealth accumulation, financial independence and future lifestyle objectives.
No. The Regular Savings Plan does not have a fixed policy term or mandatory maturity date.
The plan is designed to provide maximum flexibility, allowing you to continue saving for as long as your objectives require and access your available fund value in accordance with the policy terms.
The minimum annual contribution is USD 12,000, or the equivalent value in GBP or EUR.
Your financial advisor can help determine an appropriate contribution level based on your financial objectives, time horizon, and personal circumstances.
Yes. One of the key benefits of the Regular Savings Plan is flexibility.
Subject to policy terms, you can increase, decrease, suspend, or restart contributions as your financial circumstances change, helping ensure the plan remains aligned with your evolving goals.
You can choose a contribution frequency that suits your financial situation and cash flow requirements.
Available contribution options typically include:
-
Monthly
-
Quarterly
-
Semi-Annual
-
Annual
This flexibility allows you to build wealth in a way that complements your income and savings strategy.
-
Yes. Subject to policy terms and available fund value, policyholders may make additional lump-sum contributions and request withdrawals when required.
This flexibility allows the plan to adapt to changing financial needs while continuing to support long-term wealth accumulation.
The Regular Savings Plan accepts contributions in major international currencies, including:
-
USD
-
GBP
-
EUR
This provides flexibility for internationally mobile individuals and investors who earn, save, or invest across multiple jurisdictions.
-
The Regular Savings Plan is available to eligible individuals aged 18 and above, subject to acceptance criteria and applicable regulatory requirements.
The plan is suitable for professionals, business owners, expatriates, internationally mobile individuals, and anyone seeking a disciplined approach to long-term wealth creation.
Yes. Policyholders benefit from secure 24/7 online access to their policy information.
Through the online platform, you can monitor portfolio valuations, review transaction history, track contributions, and access policy documentation from anywhere in the world.
If you choose to stop contributing, your policy generally remains in force subject to policy terms and sufficient fund value.
Your existing investments remain invested and continue to participate in market movements, while contributions may be restarted at a later date if circumstances permit.
Starting early gives your savings more time to benefit from long-term compounding and potential investment growth.
By investing consistently over time, you can gradually build wealth, smooth the effects of market fluctuations, and improve your ability to achieve long-term financial goals such as retirement, education funding, or financial independence.