Adult - Standard Savings Plans


If your clients want to save a bit more than £25 a month, then one of our Standard Savings Plans could be perfect. We’ll agree a guaranteed minimum return that they’ll get when the plan matures, as long as they’ve kept up their contributions and our Key Information Document will show them what they might receive.

A tax efficient way to save


With a Healthy Investment Standard Savings Plan, any proceeds your client gets on maturity are paid to them free of income tax and capital gains tax. It means they can now build a guaranteed cash sum on maturity of up to £50,000 - a great way to minimise their tax liability.

Your charges


We do everything we can to make it straightforward for you to collect your fees - as qualifying life policies, fees can’t be withdrawn from this investment but we can collect additional payments by Direct Debit either initially or for a fixed term.

Regular savings


It’s not always easy to remember to save, but the Healthy Investment Standard Savings Plan commits your client to putting away the same amount every month - a great way to build their fund gradually.

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We’ll give your client regular bonuses every year and add them to the value of their policy. Once a regular bonus has been added it can’t be taken away - the level of the bonus isn’t guaranteed however, and can change every year. They may also receive a final terminal bonus when the policy matures.
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Life cover means your client’s dependents will get the guaranteed sum assured on their death, plus any bonuses that have been added, if they die during the term of the plan and all contributions are paid up to date. If they’re paying in more than £25 a month they may be asked to answer a few quick medical questions.
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Your client can choose how long they want to save for – you could suggest they arrange it so that their plan matures on a date that coincides with something special in your their life - a big birthday or a special anniversary.
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We’ve found that these kind of savings accounts are really popular with clients - they may remind your clients of the kind of savings schemes their parents had when they were a child.


Important Points


Any UK resident can invest in a Healthy Investment Standard Savings Plan providing the plan matures before they are 65.

You might consider this plan if your client already has savings in a bank or building society and are now looking to put some money in to an investment which includes life cover, has some risk but potentially higher returns and the proceeds of which are paid tax free.

You might consider this plan if your client has already used their friendly society Tax Exempt Savings Plan limit of £25 per month and you want to invest more in to a similar policy.

Save from as little as £10 per month or a maximum of £275 per month (If they are already using their £25 per month Tax Exempt allowance).

They can have their Standard Savings Plan mature on a specific date, or simply select a term between 15-25 years, providing it matures before their 65th birthday.

Depending on the term chosen they should see this as a medium or long term investment.

Important Documents


 

Tax Exempt Savings Plan - Without Life Cover

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Tax Exempt Savings Plan

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Working in partnership

Recommending and submitting business to Healthy Investment is easy. There are a number of options and all of our products can facilitate the payment of your fees.

All of the financial advisers we work with have their own dedicated Healthy Investment Business Development Executive.