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    Flexible Guarantee Bond Series 3

For clients, investing money can be stressful. We must always say that ‘the value of your investments can go down as well as up and you might get back less than you invested’ – this is obviously going to cause concern for clients who may be investing a large proportion of their life savings; money they might have earmarked for a specific event such as children’s education, or care fees for elderly relatives.

Take a look at this short video for a high-level introduction to our Flexible Guarantee investments

  • Potential for capital growth over the longer term with ongoing flexibility and guarantee options
  • The LV= Flexible Guarantee Bonds (FGB) has a structure and unique features to provide an important element of protection and investment security for clients investments.
  • At the same time, the funds are actively managed by leading fund managers, Columbia Threadneedle and all three funds have a good record of investment growth.
  • Download our six suggestions here for how the LV= Flexible Guarantee Bond could help your clients.

You can now get a quote and apply online or call us on 0800 169 1111

Our Flexible Guarantee Bond Online tool

  1. Prepare, store, retrieve & print FGB quotes
    - Single life
    - Joint Life First Death
    - Joint Life Last Survivor
  1. Immediate availability - 24/7
  2. Easier to apply when setting up a Personal FGB policy
  3. Download supporting documents

Please note that where the Bond is to be written on a Trustee or Corporate basis you will need to download the full pack and complete as normal.

Bond features

  • Minimum investment £5,000, maximum investment £1,000,000
  • Choice of three investment funds managed by Columbia Threadneedle
  • Unique smoothing mechanism
  • Optional capital guarantee
  • Penalty free withdrawals – regular or ad hoc
  • Can be used to reduce IHT liability

Important information

  • This is a stock market investment so your client isn't certain to make a profit and may get back less than they invested
  • If your client buys a guarantee, at the end of the selected guarantee term, the value of their bond will be at least the value on the date the guarantee started, less any money taken out.

Six ways to use the LV= Flexible Guarantee Bond

The flexibility and unique features of the Flexible Guarantee Bonds means it can be used in a variety of ways as an investment vehicle for your clients.

We’ve set out six of these below – if you’d like more information, and want to discuss options for a specific client, speak to your usual LV= sales contact

A simple low cost investment
At a basic level, the Flexible Guarantee Bond provides a straightforward investment option for your clients. The smoothed returns give a level of protection against market volatility
A secure investment
  • Along with the level of security provided by the built in averaging mechanism, the optional capital guarantee option gives even more protection against downside loss over a fixed period.
  • At the end of the selected guarantee period, the value of the fund is guaranteed to be no lower than the value at outset – and if the value has gone up, the client will get this higher value.
Life stage planning
The optional guarantee, with choice of guarantee terms of 8, 9 and 10 years (depending on fund choice) means the FGB is an ideal option for life stage planning – earmarking specific funds for certain planned events, in the knowledge that there is a guaranteed minimum that the investment will be worth - with the potential for investment growth as well.
Tactical investment
The guarantee option provides the ability to lock in growth after a market rally. The flexibility means that the guarantee can be stopped and renewed at any time, thereby giving the option to lock in a higher value if markets rise.


Mr Stevens invests £40,000 in an FGB and opts for a 10 year guarantee at outset. After two years, his fund is worth £45,000, so he stops the original guarantee and starts a new one for a new ten year period, guaranteed the new £45,000 value.

Tax planning
There is no Capital Gains Tax on withdrawals from the Flexible Guarantee Bond. Higher rate taxpayers can withdraw 5% each year, paying just basic rate tax.
IHT planning
The Flexible Guarantee Bond can be written on a joint or single life basis and by placing the bond in trust; clients can effectively reduce their IHT liability for dependents on death.



Read more about the current performance and asset allocation of our Flexible Guarantee Bond.

More about performance

Fund options

Fund options

Find out about our three 'ready-made' fund options managed by a team of investment experts.

View the three fund options

Membership rights

Membership rights

Taking out a Flexible Guarantee Bond Series 3 entitles your client to membership rights.

More about membership rights

Contact us

Contact us

Read more about where we're based and all of our contact information.

Contact our retirement specialists

LV=, County Gates, Bournemouth, BH1 2NF, UK