What Is an Investment Bond?
An investment bond — also known as an investment-linked assurance scheme — is a long-term investment structure originally offered by life insurance companies.
It combines a life insurance policy (often covering one or more lives assured) with a portfolio of investments.

Historically, investment bonds have been used for:

• Estate Planning — passing assets to beneficiaries through the life insurance payout on death (often 101% of the account value).

• Fee Management — allowing adviser commissions and charges to be spread over several years rather than deducted upfront.

• Tax Planning — in certain jurisdictions, offering tax deferral or other structuring benefits.

• Currency Flexibility — operating in multiple currencies for international clients.
   

Why Advisers Have Favoured the Life Bond Model
The life bond charging structure became hugely popular with advisers because it:

• Keeps clients fully invested from day one.

• Allows for initial and ongoing adviser fees to be applied and amortised over a chosen term (usually 5 or 10 years).

• Creates predictable income streams for advisers while maintaining investment growth for clients.

• Has a familiar and proven track record in global wealth management.

The Changing Landscape
In recent years, many life bond providers — particularly in the Channel Islands and Isle of Man — have withdrawn from certain regions, including parts of Africa, Asia, and other emerging markets.

This has left advisers and clients in those areas with fewer structuring options.

Introducing the Veri Funded Account – A World First
The Veri Funded Account (VPF) is the first investment platform account to replicate the charging and servicing structure of a life bond — but without the life insurance element.

For advisers familiar with life bonds, the structure is instantly recognisable.

For those new to the model, it offers a proven, flexible, and globally accessible way to structure client portfolios.

Key Features:

• Initial Charging Term: Choose between 5 or 10 years.

• Client Fully Invested from day one.

• Flexible Fees — initial and ongoing, applied by adviser or asset manager.

• Open Architecture — access the widest range of global and local investments.

• Fully Online — from onboarding to trading to reporting.

• Fast Account Opening — significantly quicker than life company timelines.
   

Estate Planning – Without the Termination Risk
Traditional life bonds terminate when the life assured passes away, potentially triggering:

• Liquidation of assets

• Delays due to probate

• Crystallisation of asset values
   

With the Veri Funded Account:

• Up to four named account members can hold the account jointly.

• If one passes away, the account continues without disruption.

• Vacant ownership slots can be reassigned.

• For single-owner accounts, a Letter of Wishes can be held on file to guide disbursement.

• Optional trust wrappers are available.
   

Why Mauritius Makes the Difference
Mauritius is a respected, well-regulated international financial centre that remains open for business across all regions, including markets where Channel Islands providers have withdrawn.

From Africa to Asia, the Middle East to Latin America, advisers can write business with confidence — backed by a jurisdiction recognised for stability, regulatory clarity, and cross-border capability.
 

Why Advisers Will Switch to VPF

• Familiar charging structure — no learning curve

• Expanded market access via Mauritius regulation

• Faster, fully digital service

• Estate planning flexibility without policy expiry

• Open architecture for unrestricted investing
   

Ready to explore the VPF?
Contact Us – Discover how the Veri Funded Account can transform your client offering.