Home Document Library UK

Document Library – UK

Browse Documents Choose one of the following process to help us direct you to the right document.

New Policy

Application Form

European Wealth Bond – Application Form

Please use this application for Individual, Trustee and Corporate Investors wishing to invest in the European Wealth Bond. Please note that you will also need to fill out the Tax Declaration and Self Certification document. This form can only be used for top-ups as this product is closed to new business.
Private Wealth Portfolio UK Corporate and Trustee Application Booklet

Corporate and Trustee Application Booklet for UK market
Private Wealth Portfolio UK Application Booklet

Private Wealth Portfolio UK Application Booklet
Selection Application for Existing Pension Schemes – Blevins Franks

Selection Application for Existing Pension Schemes – Blevins Franks
Delegation Supplementary App for Converting to DGT

This form is a request to Utmost PanEurope to convert your existing Delegation bond into a Discounted Gift Trust. It includes a questionnaire to gather the medical information we need to start initial underwriting.
PWP UK Portability Request Form

PWP UK Portability Request Form
International Wealth Bond – Application Form

Please use this application for individual, trustee and corporate investors wishing to invest in the International Wealth Bond. Please note that you will also need to fill out the relevant Tax Declaration and Self Certification document. This form can only be used for top-ups as this product is closed to new business.
Generation Planning Bond – Pre-Underwriting Application

Generation Planning Bond – Pre-Underwriting Application
Generation Planning Bond – Application to Appoint UTS

Generation Planning Bond – Application to Appoint UTS
Generation Planning Bond Application Form

Generation Planning Bond Application Form
Evolution – Application Form for Existing Pension Schemes

This is an application form for use with Evolution for individuals for existing pension schemes
Estate Planning Bond – Pre-Application Underwriting Form

This underwriting form must be completed before applying for an Estate Planning Bond
Estate Planning Bond – Application Form

This is an application form for use with Estate Planning Bond
UIIOM Evolution – Application Form for Individuals

This is an application form for use with Evolution for individuals
Evolution Application Form for Corporate Applicants

This is an application form for use with Evolution for Corporate Applicants
Evolution Application Form for Trustee and Corporate Trustee Applicants

Evolution application form for use by individual trustee and corporate trustee applicants to apply for an Evolution bond.
Delegation – application form for trustee and corporate trustee applicants resident in the United Kingdom

Delegation – application form for trustee and corporate trustee applicants resident in the United Kingdom
Delegation – Application form for Individual Applicants (with FATCA self-cert)

Delegation – application form for individual applicants (with FATCA self-cert)
UPE Selection – Application Form for Existing Pension Schemes (English)

UPE Selection – Application Form for existing pension schemes (EN)
Selection – Application Form for Trustee and Corporate Trustee Applicants

Selection – application form for trustee and corporate trustee applicants
Selection – Application Form for Corporate Applicants

Selection – application form for corporate applicants
Selection – Application Form for Individuals

Selection – Application form for individuals

Compliance and Risk Collateral (privacy notices/footers etc)

IOM Data Protection – Your Individual Rights

This document lays out your Data Protection Rights.
Legal Entity Identifiers (LEI)

We are frequently asked questions relating to trusts and the requirement to obtain an LEI. This communication is designed to provide clarity regarding LEIs and when an LEI is required for an Utmost International Isle of Man Limited bond that is held in trust

Guides and Supporting Documents

Terms and Conditions for Utmost International’s Online Services (Financial Adviser)

Terms and Conditions for our online services to be read in conjunction with the relevant intermediary terms of business.
Quick guide to trusts

Sales aid addressing some of the common misconceptions and issues faced with being a trustee.
Source of Fund and Source of Wealth Guidelines

This document can be used as guidance for financial crime risk purposes.
Utmost PanEurope dac Banking Details

This document includes the banking details for Utmost PanEurope dac.
Client Verification and Certification Guide

This document provides information on certifying photocopied identification and address documents. As part of the global efforts to prevent money laundering, Utmost International has to verify the identity and address of all individuals party to a contract (for example applicant(s), trustees, power of attorney). Unless the documents provided are originals, they will need to be certified by a suitable certifier.
Utmost International Isle of Man Intermediary Terms of Business

These Intermediary Terms of Business and the Rates of Commission govern your relationship with Utmost International Isle of Man Limited (Utmost International) and cover the way we do business with you, the Intermediary. These Intermediary Terms of Business and any documents referred to in it replace any previous Terms of Business you have with Quilter International.
Anti-money Laundering and Source of Wealth Pack – Utmost PanEurope

Confirmation of the anti-money laundering and source of wealth requirements for Utmost PanEurope bonds.
Generation Planning Bond – Application Guide

This guide has been designed to assist you with completing the application form.
Anti-money Laundering and Source of Wealth Requirements Guide

Utmost International Isle of Man Limited has provided this document as guidance for financial crime risk purposes.
Complaints Procedure

This document details our complaints procedure.

Investment literature/Strategies

The Utmost Unit-linked With Profits Fund is wholly invested into the Aviva With-Profits Sub-Fund. This update is designed to give you information about how your investment is performing.
Utmost International Isle of Man Limited Unit-Linked With Profit Fund Bonus Rate Information

This document details the bonus rate information for investments through Evolution and the Estate Planning Bond in Sterling, US Dollar, Euro and bond series 1& 2 in Sterling. This item has been issued by Utmost International Isle of Man Limited.
Guided Architecture Funds Performance History

This document is designed for professional advisers and existing Guided Architecture clients only. The document details the price, charges and historical performance of the Guided Architecture range of funds currently available for investment by existing Guided Architecture clients. This item has been issued by Utmost International Isle of Man Limited.
Utmost Wealth Solutions – Becoming an External Manager and/or Custodian

How to becoming an External Manager and/or Custodian – Set up an EMC investment management and custody service agreement with Utmost.
Delegation Approved Discretionary Fund Manager List

This document lists the approved Discretionary Fund Managers (DFMs) for the Delegation product.

KIDS/SIDS

Key Information Document – Selection Capital Redemption

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
Private Wealth Portfolio UK Discretionary Key Information Document

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
Key Information Document – Utmost Money Dollar Fund

This document contains key information about this fund. The information, prescribed by law, is intended to clarify the fund’s features, risks, costs, potential gains and losses.
Key Information Document Utmost Money Sterling Fund

This document contains key information about this fund. The information, prescribed by law, is intended to clarify the fund’s features, risks, costs, potential gains and losses.
Key Information Document – Utmost Money Swedish Krona Fund

This document contains key information about this fund. The information, prescribed by law, is intended to clarify the fund’s features, risks, costs, potential gains and losses.
Key Information Document – Utmost Money Euro Fund

This document contains key information about this fund. The information, prescribed by law, is intended to clarify the fund’s features, risks, costs, potential gains and losses.
Key Information Document for Utmost Deferred Distribution Fund

This document contains key information about this fund. The information, prescribed by law, is intended to clarify the fund’s features, risks, costs, potential gains and losses.
KID – Estate Planning Bond

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
Evolution Bond – Key Information Document – Capital Redemption

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
Evolution Bond – Key Information Document (KID) Life Assured

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
key Information Document – Family Legacy Bond CRB

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
KID – Selection Capital Redemption

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses .
KID – Selection Life

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
KID – Generation Planning Bond

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.
KID – Delegation Capital Redemption

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses .
KID – Delegation Life

This document contains key information about this investment product. The information, prescribed by law, is intended to clarify the product’s features, risks, costs, potential gains and losses.

Marketing Collateral

UK Inheritance tax (IHT)

Infographic to raise awareness of IHT.
Direct Security Discretionary Solutions

This is a brochure explaining our Direct Security Discretionary Solutions.
Utmost Wealth Solutions Company Brochure – Adviser version

Company brochure for Utmost Wealth Solutions (Financial Adviser only).
Ireland as a location in Europe for Unit-Linked Life Assurance

This intermediary sales aid explains why Ireland is he optimal location in Europe for unit-linked life insurance.
Life Insurance Based in Ireland – Four Pillars of Investor Protection

In this guide we take a closer look at the four reasons why you can choose a life insurance provider from Ireland with confidence.

Operational Forms (not application form)

Tax Declaration and Self Certification for Entity Investors

You have been asked to complete this form in order that we can accurately report your policy under the relevant tax information exchange agreements, including Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) regulations. This form should be used for Entity investors such as, companies, corporate trusts or foundations.
Tax Declaration and Self Certification for Individual Investors

You have been asked to complete this form in order that we can accurately report your policy under the relevant tax information exchange agreements, including Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) regulations. This form should be used for individual policyholders, persons authorised to sign on behalf of the policyholder, for example their Power of Attorney or court appointed Deputy, and individuals linked to the trust where Utmost Trustee Solutions Limited or Utmost International Trustee Solutions Limited are the appointed trustee.
Tax Declaration and Self-Certification for Trusts

You have been asked to complete this form in order that we can accurately report your policy under the relevant tax information exchange agreements, including Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) regulations. This form should be used for trusts where all the trustees are all individuals. It should be completed by one trustee on behalf of the trust.
Transferring Assets to Your Bond/Account

Please use this form when transferring assets to your Plan/Bond/Policy. For use with former Quilter International Products, not for use in Hong Kong.
Request Remuneration to Your Financial Adviser

Please use this form to pay an ongoing service fee or ongoing service charge to your financial adviser. For use with former Quilter International Products only.
Doing business with Utmost International – Electronic Submissions in UK

The processes highlighted in this document apply to Utmost International Isle of Man Limited and Utmost PanEurope dac.
Additional Loan Agreement and Acknowledgement of Receipt of Loan by Trustees

This agreement is for use with the existing Loan Trusts offered by Utmost International.
Portfolio Bond Minimum Residual Value

Published minimum residual values as at February 2021
Request to Restrict Assets – Wealth Bond

Please use this form if you wish to request Utmost International Isle of Man Limited or Utmost PanEurope dac to restrict the assets to a International Wealth Bond or European Wealth Bond.
Source of Wealth Questionnaire

This questionnaire seeks to obtain information and documentation from the adviser to establish the source of wealth of high risk clients.
Portfolio Bond Transaction Account Overdraft Limit

The published overdraft limit of transaction accounts for applicable portfolio bonds.
Nominated asset for regular withdrawals

To ensure regular withdrawals are paid, you must select one or more asset from which the payment will be made. Alternatively, the Transaction Account can be selected to fund withdrawals. Please tick the appropriate box below
Deed of Absolute Appointment in Favour of one or more Discretionary Beneficiaries (Manx Law)

This deed is for guidance only and may be considered suitable where a Utmost International Isle of Man Limited (‘Utmost International’) or Utmost International Ireland dac (‘Utmost International Ireland’) discretionary trust subject to Manx Law has been used.
Cheque Processing Form

This form is to be used when Wealth Interactive status is awaiting payment.
Request to Appoint a Discretionary Asset Manager (on an Advisory or Discretionary Authority)

Please use this form to appoint a discretionary asset manager on an advisory or discretionary authority.
Intermediary Registration Application QINTL IOM and QII

Intermediary Registration Application IOM and QII – for non UK intermediaries only
Execution Only Form for Additional Single Premium Applicants

Execution Only Form for Additional Single Premium Applicants
Utmost International Trustee Solutions Limited Client Agreement Form

This form is required to obtain information about an applicant’s tax status under Automatic Exchange of Information (AEOI) regulations, Utmost International.
Utmost International Trust Company Discretionary Investment Manager Application Form

This form can be used to appoint a Discretionary investment manager when applying for an Utmost International Trust Company bond application.
Non-Irish Residency Declaration

Please complete this declaration for your UK resident clients who hold a Utmost PanEurope dac policy.
Notice of Pledge Form

Notice of Pledge Form for PWP UK
Never Received/Lost Policy Schedule Declaration Form

Never Received/Lost Policy Schedule Declaration Form for PWP UK
International Tax Compliance Self Cert Form

International Tax Compliance Self Cert Form for Private Wealth Portfolio – UK
Execution Only Client Disclaimer form

Execution Only Client Disclaimer for UK market
Loan Agreement form

Loan Agreement form for PWP UK
Portfolio Manager Undertaking form

Portfolio Manager Undertaking form for UK market
Intermediary Declaration Private Wealth portfolio

Intermediary Declaration Private Wealth portfolio
Guide to Completing the Delegation Additional Single Premium Application for Trustee and Corporate Trustees

This guide has been designed to assist you with completing the additional single premium application form.
Applicant Health Declaration (English) (PWP UK)

Applicant Health Declaration (English) (PWP UK)
Delegation Guide to Trustee Application Form

Delegation Guide to Trustee Application Form
Delegation Guide to Individual Application Form

Delegation Guide to Individual Application Form
EU Adviser Form for Selection

EU Adviser Form for Selection
Request to trustees for loan repayment and acknowledgement of receipt of loan payment

This document contains draft wording which the settlor can use to request the repayment of a loan from the trustees of a loan trust. For use with the settlor’s own legal advisers in relation to the Loan Trust, available with a Utmost International Bond. This document cannot be used to instruct Utmost International to make a surrender.
Utmost International Isle of Man Limited bank details

Please use this document to find the telegraphic transfer details when transferring money to Utmost International Isle of Man Limited via Wealth Interactive.
Wealth Interactive – Master User Registration Form for Existing Firms

Please use this form to appoint a master user to Wealth Interactive for adviser firms who already have terms of business with us. The form will allow us access to a nominated master user within your firm who can then grant access to other users (including other master users within your firm).
Beneficiary Nomination Request Form (for Accountholders Policyholders) 0524

Beneficiary Nomination Request (for Accountholders Policyholders).
Utmost International Isle of Man Letter of Wishes Form

This form can be used should the settlors like to include additional wishes be taken into account with regard to the Declaration of Trust.
Offshore Collective Investment Bond Summary of Requirements

Offshore Collective Investment Bond Summary of Requirements.
Online Application Guide for Financial Advisers

Online Application Guide for Financial Advisers
Guide for Evolution Corporate Applicants

This guide has been designed to assist with completing the application form for Evolution Corporate Applicants
Guide for Evolution Trustee & Corporate Trustee Applicants

This guide has been designed to assist with completing the application form for Evolution Trustee & Corporate Trustee Applicants
Know Your Client – Source of Funding and Verification of Identity

Utmost International Isle of Man have provided this form for completion by all clients, trustees and corporate clients, where an application form does not already contain both a source of funding and verification of customer identity section.
Terms of Appointment of Investment Adviser

This is a document that explains the terms of appointing an Investment Adviser
Confirmation of Bank Details

This form can be used to request bank details from clients
Declaration of Health

The Medical Questionnaire needs to be completed to consent to Utmost PanEurope dac seeking and processing medical information at any time as this application will form the basis of the contract with Utmost PanEurope dac.
Declaration of Continued Good Health

Declaration form that you need to provide details regarding your health situation or any medical conditions while consenting to Utmost PanEurope dac seeking and processing medical information at any time in order to process your claims.
Benefit Crystallisation Events Declaration

This Declaration should be completed and given to the Administrator of the pension arrangement prior to the payment of any benefits from that arrangement.
Benefit Crystallisation Events Declaration

This Declaration should be completed and given to the Administrator of the pension arrangement prior to the payment of any benefits from that arrangement.
Execution Only Form for Additional Single Premium Applicants

Execution Only Form for Additional Single Premium Applicants
Utmost International Isle of Man Limited Guide for Estate Planning Bond applicants

This guide has been designed to assist you with completing the application form for Estate Planning Bond
Multi-Product Nomination of External Manager or Custodian

Utmost International Isle of Man – Multi-Product Nomination of External Manager or Custodian – not for use with ex-Quilter
Utmost International Isle of Man Adviser charges pack agreement for individuals and trustees

This document explains charges for advice which are fees that are agreed between you (or where appropriate your trustees) and your Financial Adviser, Investment Adviser or External Manager and/or Custodian (EMC) for the advice and related services you receive.
Terms of business and application form for intermediaries

These Terms of Business regulate the relationship between Utmost International Isle of Man Limited and the Intermediary.
Utmost International Isle of Man Limited Politically Exposed Persons Information

This document details what is classified as a Politically Exposed Person
Guide for Evolution Individual Applicants

This is a guide for Evolution for Individual Applicants
Declaration of health form

Please use this form in order to give us information about your health
Online Dealing Access Authorisation Form for Investment Advisers (UPE)

Online Dealing Access Authorisation Form for Investment Advisers (UPE).
Investor Declaration

Investor Declaration.
Utmost PanEurope Terms of business statement & application form for intermediaries

Utmost PanEurope Terms of business statement and application form for intermediaries. These Terms of Business regulate the relationship between Utmost PanEurope dac and the Intermediary whose details are set out on the signatory page of these Terms of Business.
Guide for Selection Individual Applicants

Guide for Selection Individual Applicants.
Utmost PanEurope Online Dealing Access Authorisation Form

Utmost PanEurope Online Dealing Access Authorisation Form.
Selection Nomination of External Manager and/or Custodian (EMC)

Selection Nomination of External Manager and/or Custodian for use with Selection bonds only
Adviser charges pack

Agreement for individuals and trustees
Appointment of Financial Adviser Form – Utmost PanEurope dac

Appointment of Financial Adviser.
Assignment of policies

Assignment of policies
Nomination of investment adviser – Utmost PanEurope dac

Nomination of investment adviser

Policy Conditions

Private Wealth Portfolio UK Assurance Policy Terms and Conditions

Private Wealth Portfolio UK Assurance Policy Terms and Conditions
Generation Planning Bond – Policy Conditions

Generation Planning Bond – Policy Conditions

Product Guides/Brochures/Snapshots and Training Materials

Lifestyle Trust FAQs (Client)

This question and answer document aims to answer any questions a client may have about the Lifestyle Trust.
Lifestyle Trust FAQs (Intermediary)

This sales aid aims to answer any questions an Adviser may have about the Lifestyle Trust.
Wealth Interactive Third Party and Other Users Matrix

A quick user guide showing what functionality is available to each user role
External Manager, Custodian and Platform Agreement List

This document is applicable for the following products only: Utmost PanEurope dac’s Selection and Generation Planning Bond as well as Utmost International Isle of Man Limited’s Evolution and Estate Planning Bond. This is an external version to be available online.
Private Wealth Portfolio UK Product Benefits

This guide lists the product benefits when you invest into the Private Wealth Portfolio.
Private Wealth Portfolio UK Country Snapshot

This document highlights the product features and benefits of investing into the Private Wealth Portfolio UK.
Offshore Collective Investment Bond Remuneration Guide

This guide provides details of the remuneration options available for the Offshore Collective Investment Bond (OCIB).
Evolution Snapshot

This document highlights the product features and benefits of investing into the Evolution bond.
Estate Planning Bond Snapshot

This document highlights the product features and benefits of investing into the Estate Planning Bond.
Utmost International Isle of Man Limited – Corporate Infographic – English

Utmost International Isle of Man Who We Are
Generation Planning Bond Product Snapshot

This document highlights the product features and benefits of investing into the Generation Planning Bond.
Generation Planning Bond Summary for Financial Advisers

This is a summary of the Generation Planning Bond for Financial Advisers.
Selection Snapshot

This document highlights the product features and benefits of investing into the Selection bond.
Delegation Product Snapshot

This document highlights the product features and benefits of investing into the Delegation bond.
Generation Planning Bond – Product Guide

This guide aims to help clients understand the Generation Planning Bond product.
Estate Planning Bond Summary for Financial Advisers

This guide summarises the Estate Planning Bond.
Estate Planning Bond Product Guide

This guide aims to help clients understand the Estate Planning Bond.
Evolution Product Guide

This guide aims to help clients understand the Evolution product.
Evolution – A Summary for Financial Advisers

This guide summarises the Evolution bond.
Selection – A Summary for Financial Advisers

This guide summarises the Selection bond for Financial Advisers
Delegation – product guide

A client-facing guide detailing the features and benefits of the Delegation product.
Delegation – A Summary for Financial Advisers

This is a summary of Delegation for Financial Advisers.
Selection Product Guide

This guide aims to help clients understand the Selection product.

Right to Change Your Mind Forms and guides/KFD

Generation Planning Bond – Key Features Document

Generation Planning Bond – Key Features Document
Key Features of Evolution

This document details the key features of Evolution
Key Features of the Estate Planning Bond

This document details the key features of the Estate Planning Bond.
Key features of Delegation

This is a summary of the key features of the Delegation Bond
Key features of Selection

This document details the key features of Selection

Tax and regulatory Literature/technical sales aids and literature

Intermediary Terms of Business for Utmost PanEurope

These Intermediary Terms of Business and the Rates of Commission govern your relationship with Utmost PanEurope dac and cover the way we do business with you, the Intermediary. These Intermediary Terms of Business and any documents referred to in it replace any previous Terms of Business you have with Quilter International.
Lifestyle Trust – Options at Vesting Date

Lifestyle Trust – Options at Vesting Date
Lifestyle Trust Client Brochure

This brochure helps explain how the Lifestyle Trust can be used for inheritance tax planning with either an Utmost International Isle of Man Limited or Utmost PanEurope dac bond.
Lifestyle Trust Adviser Brochure

This brochure describes how a Lifestyle Trust can provide tax-efficient benefits for your clients and those they care about.
The Real Benefit of Gross Roll-Up

This document is directed at professional advisers and shows how offshore bonds benefit from gross roll-up.
How to Complete the Second Schedule

Sales aid explaining how the Second Schedule of the Lifestyle Trust Deed should be completed.
Leaving the UK But Could Be Leaving UK Taxes Behind

When clients leave the UK, either permanently or for at least a full tax year, they expect to leave behind their liability for UK taxes. This document is for financial adviser use only.
Stockbroker and custody charges

This sales aid shows the stockbroker and custody charges that may apply on Portfolio Bonds.
UK Statutory Residence Test Flowchart

The purpose of this flowchart is to take you through a series of questions to establish your clients UK residency status.
Qualifying Non-UK Pension Scheme Brochure – for a Flexible Future

This brochure provides information about overseas pension schemes that comply with Qualifying Non-UK Pension Scheme rules.
Take your pension away with you – Qualifying Recognised Overseas Pension Scheme (QROPS) Brochure

Qualifying Recognised Overseas Pension Scheme, Client Brochure promoting the benefits of (QROPS).
Residence Nil Rate Band (RNRB) Quick Guide – Infographic

This guide contain references to the appropriate page numbers from our technical briefing on RNRB.
Technical Sales Briefing – International Investment Bonds and VAT Exempt DFM Service for Ireland

This Technical Sales Briefing has been designed to explain the background to the publication of the Irish Revenue, including the differences in the two tax codes and the effect of this guidance on both conventional international investment bonds and bonds.
Technical Sales Briefing – Personal Representatives and the Payment of Tax on Death

This Technical Sales Briefing (TSB) looks at the income tax position on the death of a policy owner and the role of the PRs and includes comment on how single premium bonds can be set up to provide planning opportunities to manage the incidence of chargeable events.
Technical Sales Briefing – Finance Act 2006 and Interest in Possession (IIP) Trusts

Technical Sales Briefing on the Finance Act 2006 and Interest in Possession (IIP) Trusts
Guide to Domicile, Remittance Basis and Excluded Property Trust

This guide explains Domicile, Remittance Basis and Excluded Property Trust.
Technical Sales Briefing – Order of Gifts

This briefing looks at various issues and scenarios around the order of making gifts and attempts to explain what steps can be taken to help ensure the most beneficial result for all.
Technical Sales Briefing – Trust Registration Service

This document details change to the UK Trust Registration Service (TRS)
UK Onshore and Overseas Comparison – Technical Sales Briefing

This document offers a comparison between UK Offshore and Overseas
Technical Sales Briefing – Inheritance Tax Manual

This manual explains in detail the operation and application of current UK Inheritance Tax legislation.
IHT Order of Gifting Infographic

UK Inheritance tax IHT – Order of Gifting Infographic document. This document states the order, in which gifts are made, can also be an important factor in mitigating the effects of IHT on an estate.
Overseas Insurance bonds as trust investments

This briefing document looks at why bonds issued from overseas insurers can be a highly effective investment vehicle for a UK resident trust.
Private Wealth Portfolio – How to minimise foreign tax on dividend income

A sales aid to explain tax relief at source on foreign withholding tax.
Technical Sales Briefing – Trustee Delegation

This briefing is designed to explain how some of the duties and powers of trustees can be delegated to other people
Utmost PanEurope Investor Protection Brochure

This guide describes certain aspects of the legal and regulatory framework applicable to Utmost PanEurope dac in Ireland, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency.
Executive Investment Account Reasons Why Document

This document suggests some of the ‘reasons why’ to invest in this product that you may wish to incorporate within your recommendation letters for your clients.
Taxation of an Offshore Life Assurance Policy for your Non-Israeli Resident Clients Moving or Returning to Israel

An explanation of the taxation of an offshore life assurance policy for your non-Israeli resident clients moving or returning to Israel.
Taxation of an Offshore Life Assurance Policy for your UK Resident Israeli Clients, Moving or Returning to Israel

This document provides an explanation of the taxation of an offshore life assurance policy for your UK resident Israeli clients, moving or returning to Israel.
Taxation of an Offshore Life Assurance Policy Purchased Outside of Israel by an Israeli Resident

This document provides an explanation of the taxation of an offshore Utmost International Isle of Man Limited life assurance policy purchased outside of Israel by an Israeli resident.
Non-Resident Indian Estate Planning

A client-facing guide to using an Utmost International Isle of Man offshore bond for estate planning for non-resident Indian investors.
Determining Your Liability to Tax in India (Life Assurance Version)

A guide for clients with investment linked life insurance bonds who will become Indian tax residents.
The components of an Estate Planning Bond

The Estate Planning Bond is a combination of a trust and a capital redemption bond. It is structured in a way that can immediately reduce the transfer of value for IHT purposes and provide a tax deferred income from outset. This document explains how the main components of the bond can achieve this.
UWS Technical Sales Briefing – Planning Opportunities for UK Resident but Non Domiciled Individuals

This is a technical sales briefing detailing the planning opportunities for UK resident but non-domiciled Individuals.
UWS Technical Sales Briefing – The Residence Nil Rate Band

Technical briefing looking at the Residence Nil Rate Band and IHT planning – TSB.
Technical Sales Briefing – Corporate Investment into Offshore Bonds

Technical briefing looking at corporate investments into international bonds – TSB
Technical Sales Briefing – Time apportionment relief

Technical Sales briefing looking at offshore bonds and time apportionment relief – TSB
Technical Sales Briefing – Deficiency relief

Technical Sales Briefing – A technical briefing looking at Deficiency relief, how it is calculated and its effect on international bonds -TSB
Technical Sales Briefing – Tax Planning Using Bonds: ‘One-off Withdrawals’

Technical briefing looking at offshore bond and one-off withdrawals – TSB
Technical Sales Briefing – Tax Planning Using Bonds – Additional Investments

This technical briefing is part of a series intended to shine a light on various areas of overseas single premium bond taxation from the point of view of a UK resident investor.
Technical Sales Briefing – Utmost International Isle of Man Limited Bank Assignments

This technical briefing has been designed to provide clarity with respect to bank ‘assignments’ and the processes we follow at Utmost International Isle of Man Limited
Technical Sales Briefing – Assignment of Bond to DGT and IHT Planning

This Technical Sales Briefing looks at an area of overseas single premium bond taxation from the point of view of a UK resident investor.
Technical Sales Briefing – Danger of Using Partial Surrenders

Technical Sales Briefing – Danger of using partial surrenders – TSB
Generation Planning Bond at a Glance

This is a brief overview of the Generation Planning Bond.
Generation Planning Bond Suitability Paragraphs

These sample paragraphs and their content are for your information and consideration only.
Legal Entity Identifier Notice – Utmost PanEurope dac

Legal Entity Identifier Notice – Utmost PanEurope dac.
Evolution Suitability Paragraphs

This document details the various bonds available within our Evolution product and what each one is suitable for
Estate Planning Bond Suitability Paragraphs

This document details the various bonds available within the Estate Planning bond and what each one is suitable for
Technical Sales Briefing – Why Use a Capital Redemption Bond?

This document details the benefits of a Capital Redemption Bond.
Utmost tax guide for individual clients

Utmost tax guide for UK resident individual clients for use with Evolution, Estate Planning Bond, Delegation, Selection and Generation Planning Bond
International Portfolio Bonds at a glance – client infographic

The key Benefits of International Bonds.
UIIOM Investor Protection Brochure

This guide describes certain aspects of the legal and regulatory framework applicable to Utmost International Isle of Man Limited, created in order to safeguard policyholders through effective governance, risk management and oversight related to insurer financial strength and solvency.
Utmost Wealth Solutions guide to the loan trust

This guide focuses on some of the common benefits and issues associated with the use of the Loan Trust together with an investment bond.
Utmost Wealth Solutions loan trust – a technical FAQ for financial advisers

This is a technical FAQ document about loan trusts for financial advisers.
Adviser Charge Summary

This is a guide to the terminology we use when it comes to adviser charging.
Technical Sales Briefing – Cash Forecasting – Making Bond Cash Management Easier

This document explains the process for Utmost International Isle of Man Limited’s Evolution and Estate Planning Bond and Utmost PanEurope dac’s Selection, Delegation and Generation Planning Bond.
Utmost Guide to the Taxation of International Portfolio Bonds (adviser)

The purpose of this guide is to explain the ways in which the proceeds from your client’s international portfolio bond may be taxed. We also cover how UK income tax will be calculated when proceeds are taken, including the effects of top-slicing relief, time-apportioned reductions and other aspects of UK taxation.
Estate Planning Bond at a glance

This document gives a brief overview of the features of Estate Planning Bond.
UIIOM Evolution at a Glance

This document gives a brief overview of the features of Evolution.
Utmost Wealth Solutions Guide to Trusts

This guide focuses on some of the issues that may arise when using an Utmost Wealth Solutions trust together with an investment bond.
Utmost Wealth Solutions Fund Specific Risks

A brief guide to the most common fund associated risks. It does not however cover every possible risk that may apply.
How can we help your client now, and in the future?

UWS product tree infographic
Selection at a Glance

This is an infographic with information about the Selection bond.
Delegation at a glance – infographic

This is an infographic with details about our Delegation bond.
Delegation suitability paragraphs

These sample paragraphs and their content are for your information and consideration only.

Trust Literature

Deed of Assignment (Assignments to or from Corporate Entities)

With this deed you can assign a policy to or from a corporate entity. For use with a policy issued under Isle of Man or English law.
Loan Trust Deed – Manx Law Discretionary Version – Limited Liability Form

Please note this trust deed is Manx Law and only for use with Utmost International Isle of Man Limited investments.
Letter of Wishes Example Wordings

When using a discretionary trust it is always desirable to record the Settlor’s wishes. These are normally recorded in a letter addressed to the trustees, hence the name ‘letter of wishes’.
Utmost International Trust Company Policy Statement Form

This form is used with our ex-Quilter UK products where an ‘Investment Adviser’ (Advisory Fund Adviser) is being appointed. The form confirms that the adviser has discussed and agreed the Investment Objective with the settlor and any investment recommendations will fall within this category. The trustees will countersign this and agree to the objective agreed between IFA and Settlor.
Using a Professional Trustee – How Can We Help You

This document explains how you can use a Professional Trustee.
Discounted Gift Trust Deed Form (English Law – Discretionary Version)

This deed should be used with ex-Quilter products or the following range of product types only: Executive Investment Bonds/Portfolios/Accounts (including European Collective Investment Bond), Wealth Portfolio Bonds, Managed Capital Accounts and Life Insurance Portfolios.
Lifestyle Trust Deed (Manx Law – Discretionary Version)

Complete this deed to set up a Lifestyle Trust (Manx Law version)
Declaración de Impuestos y Autocertificación para Trusts

Declaración de Impuestos y Autocertificación para Trusts
Generation Planning Bond – Discretionary Trust

This Trust Deed is designed for investments in the Generation Planning Bond. It may be used by a single Settlor or joint Settlors who would like their policy to be held within a Discretionary Trust.
Generation Planning Bond – Absolute Trust

This Trust Deed is designed for investments in the Generation Planning Bond. It may be used by a single Donor or joint Donors who would like their policy to be held within an Absolute Trust.
Estate Planning Bond – Discretionary Trust

This Trust Deed is designed for investments in the Estate Planning Bond from Utmost International Isle of Man Limited. It may be used by a single Settlor or joint Settlors who are either married or in a civil partnership and who would like their policy to be held within a Discretionary Trust.
Estate Planning Bond – Absolute Trust

The Trust Deed is designed for investments in the Estate Planning Bond from Utmost International Isle of Man Limited. It may be used by a single Donor or joint Donors, who are either married or in a civil partnership and would like their policy to be held within an Absolute Trust
Deed appointing additional trustee(s)

This draft deed is provided for the consideration of the parties and their legal advisers only. This deed should be completed when the Settlor(s), in accordance with the terms of the of the trust, has the power to appoint trustees.
Utmost Wealth Solutions Deed of Appointment of Additional Trustee

This draft deed is provided for the consideration of the parties and their legal advisers only.
Loan Trust Waiver

Loan Trust Waiver for Absolute and Discretionary Loan Trusts
Loan Trust

Discretionary Trust Deed and Loan Agreement
UWS Probate absolute trust deed

This Trust Deed can be used when the Donor wants to take out a new policy or transfer an existing policy into Trust.
Discretionary Trust

The Trust Deed may be used by a single Settlor (or joint Settlors) who wishes to place a new or existing bond into a Discretionary Trust and where the investment is with Utmost International Isle of Man Limited or Utmost PanEurope dac.
Absolute Trust, Donor cannot be a Beneficiary

The Trust Deed may be used by a single Donor or joint Donors, who wish to place a new or existing bond into an Absolute Trust and where the initial investment is with Utmost International Isle of Man Limited or Utmost PanEurope dac.
Utmost trust proposition tree

This document details our trust proposition tree.
Utmost Trustee Solutions – A Guide to our Services

This guide explains how Utmost Trustee Solutions Limited could help clients and their beneficiaries
Utmost Trustee Solutions at a glance

This document is designed to give you a brief overview of the benefits when using a corporate trustee. It should be read alongside the Utmost Trustee Solutions – A Guide to our Services document, or you can contact Utmost Trustee Solutions Limited directly for more information.

Change your Policy

Guides and Supporting Documents

Client Verification and Certification Guide

This document provides information on certifying photocopied identification and address documents. As part of the global efforts to prevent money laundering, Utmost International has to verify the identity and address of all individuals party to a contract (for example applicant(s), trustees, power of attorney). Unless the documents provided are originals, they will need to be certified by a suitable certifier.

Investment literature/Strategies

How to Submit a Dealing Request on Wealth Interactive

This guide shows you how to submit a dealing instruction in three easy steps through Wealth Interactive.
Utmost PanEurope Portfolio Bond Dealing Instruction Form and Guidance Notes

This form can be used for the sale and purchase of funds for Utmost PanEurope Portfolio Bonds.
Locate Information about Units and Funds Linked to your Policy Guide

European countries have a diversity of information requirements for unit-linked life insurance companies. We have developed this document to help you find where a particular item of information can be accessed.
A Guide to Online Dealing

A Guide to Online Dealing

Operational Forms (not application form)

Appointing an Authorised Custodian – Wealth bond

Please use this form to request Utmost International Isle of Man Limited or Utmost PanEurope dac to appoint an authorised custodian. This form is only for use with the International Wealth Bond or European Wealth Bond.
Deferring a Policy Fund Entitlement

This form needs to be completed when a client requests to change their Policy Fund entitlements.
Data Subject Access Request Form

This form is for you, or someone you have authorised to represent you, to request a copy of the personal information we hold for you.
Letter of authorisation for Authorised Custodian Account Form

This letter of authorisation permits the authorised individual to carry out actions in respect of the accounts opened by Utmost International Isle of Man Limited or Utmost PanEurope dac. with the authorised custodian.
Appointing a Discretionary Asset Manager to your Wealth Bond

This form should be used for International Wealth Bond or European Wealth Bond policyholders only, who would like to change their discretionary asset manager. This form should be used where you have not requested Quilter International to restrict the asset range.
Discounted Gif Trust Declaration of Continuing Good Health Form

This declaration should be completed by the settlor to confirm that their health has not changed since the date of the original application.
UIIOM Notifying Us Of A Bereavement

UIIOM Notifying Us Of A Bereavement This document is relevant to UK resident individuals only and describes how to notify us of a death and what our certification requirements are in relation to Death Certificate and Grant of Probate.
Nomination of investment adviser – Utmost International Isle of Man

Please use this form to nominate an investment adviser – not for use with form Quilter International policies
Delegation – Nomination of external manager and or custodian

Delegation – Nomination of external manager and or custodian

Tax and regulatory Literature/technical sales aids and literature

Technical Sales Briefing – Calculating and Reporting Periodic Charges

Many years have now passed since the changes to the relevant property regime back in 2006 and trustees will need to be aware of their responsibility in assessing whether a charge to inheritance tax (IHT) is due in respect of policies written subject to discretionary trusts issued post 21 March 2006.This Technical Sales Briefing has been designed to explain the ten yearly periodic charge which could be applicable to such policies. It also clarifies the reporting requirements for trustees, what information they will require and looks at what Utmost International Isle of Man Limited will be doing to support settlors, trustees and advisers in this process.
Utmost International Isle of Man Limited – Discounted Gift Trust Conversion Guide

This guide is for individuals, married couples or civil partners looking to establish an Utmost Discounted Gift Trust using an existing Utmost International Isle of Man Limited Evolution bond or a Selection bond issued by Utmost Pan Europe dac.

Trust Literature

Discretionary Trust – Settlor cannot be a Beneficiary

The Trust Deed may be used by a single Settlor or joint Settlors, who wish to place a new or existing bond into a Discretionary Trust and where the investment is with Utmost International Isle of Man Limited or Utmost PanEurope dac.
Excluded Property Trust – Settlor is a Potential Beneficiary

The Trust Deed may be used by a non-UK domiciled Settlor, who wishes to create a Trust of non-UK situs assets (such as an offshore bond) to exclude them from their estate for UK Inheritance Tax (IHT) should they become UK domiciled in future. The Trust is discretionary and gives the Trustees discretion and flexibility to decide who from among the Potential Beneficiaries will benefit from the Trust Fund, and in what proportion. The Settlor is a Potential Beneficiary
Using a Professional Trustee – How Can We Help You

This document explains how you can use a Professional Trustee.
Discounted gift trust – discretionary trust

This Trust Deed is designed to be used only with pre-existing Evolution bonds, which meet the necessary criteria for conversion to a Discounted Gift Trust arrangement. This Trust Deed should be used alongside the Discounted Gift Trust Supplementary Application Form. Please speak to your financial adviser for details.
Discounted gift trust – absolute trust

This Trust Deed is to be used to convert an existing Evolution bond into a Discounted Gift Trust
Deed of Retirement of trustee form

Deed of Retirement of trustee form for trusts where the trustees have power of appointment of new trustees
Deed of retirement of trustees for trusts where the settlor has power of appointment

This draft deed is provided for the consideration of the parties and their legal adviser only.
Estate Planning Bond – Discretionary Trust

This Trust Deed is designed for investments in the Estate Planning Bond from Utmost International Isle of Man Limited. It may be used by a single Settlor or joint Settlors who are either married or in a civil partnership and who would like their policy to be held within a Discretionary Trust.
Utmost trust proposition tree

This document details our trust proposition tree.

Making a Surrender or Claim

Guides and Supporting Documents

Client Verification and Certification Guide

This document provides information on certifying photocopied identification and address documents. As part of the global efforts to prevent money laundering, Utmost International has to verify the identity and address of all individuals party to a contract (for example applicant(s), trustees, power of attorney). Unless the documents provided are originals, they will need to be certified by a suitable certifier.

Investment literature/Strategies

Aviva Life & Pensions UK Limited Old and New With-Profits Sub-Funds and Investment Summary

Aviva Life & Pensions UK Limited Old and New With-Profits Sub-Funds and Investment Summary. For customers investing in the International with-profits funds managed by Aviva Life and Pensions UK Limited..

Operational Forms (not application form)

Portfolio Bond Withdrawal / Surrender Form

Surrender and Withdrawal Request Form for Portfolio Bond
Bereavement Claim Form

Bereavement Claim Form for Life Assurance Bonds
PWP UK – Death Benefit Claim Form

Private Wealth Portfolio UK – Death Benefit Claim Form
Surrender Request and Regular Withdrawal Form

Surrender Request and Regular Withdrawal Form for Private Wealth Portfolio UK
Death Claim form for use with Ex Quilter Isle of Man policies

Form to be completed by Claimant requesting payments of policy proceeds following the death of the relevant life assured.
Death Claims for the Offshore Collective Investment Bond

Death claim form for the Offshore Collective Investment Bond.
Assignment of Policy for Surrender Form

Assignment and Surrender Form that can be used for assignment of policies for immediate surrender
Full Encashment Request Form

This form is used to request full encashment. Please note the encashment value will be based on the date of receipt of all requirements and payable to the individual who according to Utmost PanEurope dac’s records is entitled to receive it.
Lapse Value Claim Form

Lapse Value Claim Form to claim the cash in value of the policy at the date of lapse together with late payment interest in full and final settlement of the policy.
Lost Policy Declaration

Declaration that policy schedule has been lost and that legal owners of the policy are legally entitled to the proceeds of the policy. The policy has not been assigned, pledged as security and will be returned if found.
Permanent Health Insurance Claim Form

Permanent health Insurance claim form is requesting life assured health details and consent to Utmost PanEurope dac seeking and processing information in order to be able to process this claim.
UWS Multi-Product Withdrawal and Surrender Form

Utmost Wealth Solution Multi-Product Withdrawal and Surrender Form for use with Utmost International Isle of Man and Utmost PanEurope products not for use with ex Quilter products

Tax and regulatory Literature/technical sales aids and literature

Request a Withdrawal on Wealth Interactive Guide

This guide demonstrates how you can request a one-off withdrawal in three easy steps through Wealth Interactive.

Trust Literature

UTS Assignment for Surrender Form (Utmost PanEurope dac)

This form is issued by Utmost Trustee Solutions Limited as Trustee of a specified Trust for the purpose of appointing benefit by the assignment of individual policies from a Selection, Delegation or Generation Planning Bond only, issued by Utmost PanEurope dac, to a beneficiary who wishes to surrender those policies immediately.

Customer Support

Utmost Wealth Solutions

Utmost Corporate Solutions

Popular support Pages

Previously visited Support Pages

Online Service Login

Utmost Wealth Solutions

Utmost Corporate Solutions

Popular logins

Previously used logins