Adult - Tax Exempt Savings Plans

Unique to friendly societies like ours, the Healthy Investment Tax Exempt Savings Plan allows your clients to take advantage of an extra government tax break by saving on a regular basis. This version of the plan comes with life cover, meaning that if your client was to die before the plan ends their estate will receive the guaranteed sum assured plus bonuses (providing all contributions are up to date).

A regular saving habit

With our Healthy Investment Tax Exempt Savings Plan your clients are committed to paying in the same amount every month - meaning that they can build their savings gradually over time. They can invest anything from £10 up to a maximum of £25 a month - if they want to invest more, then our Standard Savings Plan will suit them better.

A guaranteed return

We’ll agree a guaranteed sum assured when the policy starts that will be the absolute minimum they’ll get when the plan matures (as long as they’ve kept up all of their contributions of course). We also give regular bonuses every year and add them to the value of their policy. These can never be taken away - and they may also get a final bonus at the end of their term. The level of bonus added each year is not guaranteed and can change.

A tax exempt pay out

When the policy matures none of the money your client receives will be taxed, and the fund that the money is invested in is also free of UK income and capital gains tax.

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Your clients’ money will be invested in the Healthy Investment Ethical With-profits Fund which includes a mix of different assets - all actively managed to maximise the potential for growth while carefully managing any risk.
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The client chooses how long they want to save for - anything from 15 years to 25 years. It’s the perfect way to get that extra bit of tax free savings allowance or simply to invest a modest amount every month for their future.

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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everything we can to make it straightforward for you to collect your fees - as qualifying life policies, fees can’t be withdrawn from this investment but we can collect additional payments by Direct Debit either initially or for a fixed term.
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These kinds of Tax Exempt Savings Plans are hugely popular - they may remind your clients of the kind of savings schemes their parents had when they were a child.

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Important Points

Any UK resident can invest in a Healthy Investment Tax Exempt 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.

Save from as little as £10 per month or a maximum of £25 per month (or £270 per year).

Your client can have their Tax Exempt 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 they choose they should see this as a medium or long term investment.

Important Documents


Standard Savings Plan


Tax Exempt Savings Plan - Without Life Cover


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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.