Executive Investment Bond - the bond is written on the life of the investors and provides for 101% life over in order to be compliant with the life assurance laws and benefit from the favourable tax treatment.

Executive Redemption Bond - The bond is written on a 99 year term and has a maturity value that is equal to the bid value of units or £100 per policy which ever the greater.

Investment Freedom - Royal Skandia's own range of funds which are free of Capital Gains and Income Tax. That means that with the exception of certain investment income, which may be subject to a tax deduction in its country of origin, the investment will grow tax-free. 
- Other offshore funds and authorized unit trusts, stocks and shares or fixed interest securities quoted on a recognized stock exchange. 
- Eurobonds and various currency deposits. 
- Access to Eurobonds and various currency deposits.
- Access to a selection of the world's leading fund management groups. 
- Access to any offshore fund or authorized unit trust accepted by Royal Skandia.

A flexible choice of competitive charging structures to suit your own needs.

Easy access to your Bond.

Full or partial encashment available at any time (an early withdrawal charge may apply depending on the charging structure selected).

The Annual Management Charge of 1% within each Royal Skandia internal fund is re-credited to the Bond for the benefit of the investor.

Detailed quarterly valuation reports keep you well informed.

Unlimited switching between funds even those of different currency denominations.

Option to appoint a personal investment adviser with delegated switching.

An unbeatable investment administration service efficiently handling deals and all corresponding paperwork.

Available to any one aged between 18 and 89 at commencement who is not resident in the Isle of Man or Hong Kong and are living outside the UK

Peace of mind:

As part of the internationally renowned Skandia Insurance Company Limited, Royal Skandia benefits from the financial strength and security of one of Europe’s oldest and largest insurance operations with assets in excess of £44 billion. You can therefore rest assured that your investment is in safe hands.
- Confidentiality - Royal Skandia seeks to provide confidentiality to its investors by restricting the availability of information to third parties.

Comprehensive policyholder protection:

- The Isle of Man Life Assurance (Compensation of Policyholders) Regulations 1991 protects investors whose policies are effected on or after 1 February 1991. Compensation of up to 90% of the value of their policies would be received in the unlikely event that their insurer became unable to meet its liabilities.