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PIMS

1 smart investment solution with access to 1,000s of funds, looked after in a place with 1,035 years of political stability could make for 1 happy client flying high at 24,000 feet and rising...

Flexible but never over-complex

PIMS opens up almost unlimited possibilities for substantial lump sum investment, while minimising your administrative burden. It means the investment experience can run as smoothly as possible – for both you and your client. Here are the key advantages:


It's easy to get started...

Begin small but think big

Your clients can get started with PIMS Focused, offering a large but defined range of funds (1,000+), and then upgrade to PIMS Flexible at a later date. PIMS Flexible has no fixed fund range and we'll happily consider new investment opportunities as they arise. Upgrading is simple too, a straight forward one-off fee applies.


Choose from seven policy currencies

Your clients have a choice of seven different currencies when setting up PIMS.


Burden reducing...

Choose capital redemption over life assurance

This means no live's assured on the policy, which may be ideal for trusts or corporate entities that don't want their policy brought to an end after the untimely death of a life assured.


Simple cash management

The PIMS cash account(s) is where all transactions take place, from charges and withdrawals to investment purchases and sales, they'll all be accounted for in one place.


Portfolio consolidation

All investments are consolidated into a single valuation.


Compatible...

Pension schemes

PIMS can be used as the investment vehicle within most pension schemes, including SIPPS and QROPS, subject to trustee approval.


Estate planning

You can choose from an extensive range of trusts for clients looking for intergenerational planning opportunities - free of charge. You even have access to our dedicated technical support team, who can guide you through some of the more complex solutions.


And is flexible throughout...

Adaptable and accessible

If your clients’ circumstances change, they can access their policy at any time through regular or one-off withdrawals


Non-income producing asset

As an offshore product, PIMS is classed as a non-income producing asset. This creates the potential for a multitude of planning opportunities – particularly for expat clients considering a return to the UK.


Online dealing

Your clients (or you, if an investment adviser) can benefit from our online dealing service. They can instruct changes day or night, when convenient for them. No more paper and faxes! Read more about online dealing here.


Information at your clients' fingertips

If they wish, your clients can view the progress of their PIMS policies online, simply and at no cost, just by activating their Online Service Centre account.