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Tax wrappers

We offer a comprehensive range of tax wrappers to meet your clients' needs - for now and in the future.

You can apply for the accounts below through the Zurich Intermediary Platform.

  • Stocks and shares ISA & Cash ISA
  • Retirement account
  • Investment account
  • Junior Products
  • Cash account

Junior stocks and shares ISA

  • Features and benefits
    • Tax efficient gifting between generations (normal inheritance tax rules apply, including if the donor dies within 7 year, the gift will be within their estate). Use available annual gifting allowance (£3,000) for each payer (free of any future IHT)
    • Any returns generated within a Junior ISA are free of income or capital gains tax and don’t count towards the child’s tax allowance
    • Given the long-term nature of the investment (up to 18 years), the Junior Stocks and Shares ISA offer the ability to accrue an amount of savings for a family member or loved one.
  • Application

    Eligibility

    This account is only available within a Zurich Junior Portfolio. A registered contact can open an account for a child. The child must:

    • be aged 17 or under, and:
    • have been resident in the UK for tax purposes for the last six months if their country of origin is not subject to UK tax
    • not already hold a junior stocks and shares ISA or Child Trust Fund, and if they do, intend to transfer its value to the Zurich Junior Stocks and Shares ISA
    • have not exceeded the overall junior ISA limit taking into account any payments made to a junior Cash ISA.

    Charging

    The Zurich Portfolio charge is a percentage charge based on the value of the assets under administration in the client’s Zurich Portfolio. Cash held in the Zurich Junior Stocks and Shares ISA does not attract the charge or contribute to its calculation.

    For more information on our charges, take a look at our ‘Easy to understand charges - at a glance’.

    The risks

    As with all investments, there is some risk involved.

    • The value of the account can go down and the child may get back less than invested
    • The level of risk and potential investment performance depends on the assets invested in
    • If you are transferring from a cash ISA, your client should be aware of the increased risks associated with a Junior Stocks and Shares ISA
    • Changes to tax law may affect the tax benefits of the account
    • Charges may increase in future.
  • Managing the account

    Keep your clients' account in check and up to date.

    Taking money out of an account

    Rules for junior ISA’s do not allow withdrawals from the account.

    Transferring the account when the child reaches 18

    The Junior Stocks and Shares ISA will convert to a Zurich Stocks and Shares ISA when the child reaches 18. The child will then be able to access the account as per the terms of a standard stocks and shares ISA, including regular and one-off penalty-free withdrawals.

    Closing an account

    If your client cancels the Junior Stocks and Shares ISA within 30 days it will be treated as not taken out and they will still be able to take out another Junior Stocks and Shares ISA in the same tax year with us or a different ISA manager. Any refund of payments will be returned to the registered contact.

    After the cancellation period ends, all contributions are treated as gifts and cannot be returned.

    If your client’s child passes away, any tax advantages of the Junior Stocks and Shares ISA will end, but there is no loss of tax exemption on interest, dividends or gains which arise before the date of death. We will pay the proceeds as set out in the Zurich Portfolio Terms and conditions.

  • Investment options

    Your clients have access to a range of investment options, including:

    • mutual funds;
    • model portfolios;
    • investment advisers (DFMs);
    • cash; and
    • through our Horizon funds.

    Find out more

  • Documents

Junior retirement account

  • Features and benefits
    • Enables the child to benefit from tax relief on the contributions to the Junior Retirement Account
    • Gives your clients the opportunity to provide a retirement income for their child.
  • Application

    Eligibility

    This account is only available within a Zurich Junior Portfolio. A registered contact can open an account for a child. The child must:

    • be aged 17 or under, and:
    • have been resident in the UK for tax purposes for the last six months if their country of origin is not subject to UK tax.

    Charging

    The Zurich Portfolio charge is a percentage charge based on the value of the assets under administration in the client’s Zurich Portfolio. For the Zurich Junior Retirement Account there is also an ongoing charge which is currently £75.00 each year. £18.75 is payable quarterly in arrears from available cash in the Retirement Account for as long as the account is open. If the account has pre and post retirement arrangements the ongoing charge will be split proportionately to the amount held in each.

    To launch our suite of junior products available through the Zurich Junior Portfolio, we’ll reimburse the £75 annual charge we take from Zurich Junior Retirement Accounts opened from 14 January 2019 until January 2021. For more information on this offer, please read our ‘Addendum to the Zurich Portfolio Terms and Conditions’

    The risks

    As with all investments, there is some risk involved with the Zurich Retirement Account.

    • The value of the account may go down and the child may have less to provide a retirement income
    • The level of risk and potential performance depends on the assets invested in
    • The child’s retirement income may be less than expected if investment growth over the lifetime of the account or annuity rates at the time benefits are taken (or both) are lower than expected, or if your client reduces or stops payments to the account
    • Over time, inflation will reduce the buying power of money.
  • Managing the account

    The account when the child reaches 18

    On the child’s 18th birthday, once we have the child’s authorisation, they will take control of their Zurich Portfolio and the Junior Retirement Account will become a Zurich Retirement Account.

    Taking money out of an account

    Clients can normally take benefits at any time from age 57, even if still working. If your client is suffering from ill-health, they may be able to take benefits earlier.

    Closing an account

    If your client changes their mind regarding the Junior Retirement Account, the account can be cancelled within 30 days of the customer receiving a cancellation notice. They can contact us by post at Zurich Portfolio Team, PO Box 1200, Cheltenham, GL50 9UP or by email at Zurichportfolioteam@uk.zurich.com

    If your client has taken out a Junior Retirement Account on behalf of a child and they die, the person who assumes parental responsibility for the child will need to take on responsibility for the account.

  • Investment options

    Your clients have access to a range of investment options, including:

    • mutual funds;
    • model portfolios;
    • investment advisers (DFMs);
    • cash; and
    • through our Horizon funds.

    Find out more

  • Documents

The Zurich Cash Account is opened automatically when a Zurich Portfolio is opened.

Zurich Cash Account interest rate

Protecting your clients' portfolio

Are your clients thinking about investing in stocks? Our Investment Life Cover and Accidental Death Cover could help protect their portfolios.

Platform updates

From launching new products to making changes to support you through the most recent regulatory change.

Our Platform tools

Analyse, assess and achieve with our range of helpful tools.

Get in touch

If this all sounds good, contact your:
Zurich Account Manager on 08085 546 546 or speak to our dedicated Platform Adoption team on 0345 266 1988 to start writing business with us.