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Glacier International Global Life Plan
Benefit from tax and estate planning advantages while accessing world-class investments.

This unit-linked investment plan offers you a range of investment choices denominated in foreign currencies.

Plan Details
US$ / € / ₤ / AUD / CHF 25000 lump sum
PLUS additional transfers of US$ / € / ₤ / AUD / CHF 5000
The initial term is five years, after which it becomes open-ended. The value of the policy will form part of your estate plan when you die.
You have total freedom to change your underlying investments and there are no charges for the first four changes in a year. The minimum amount that can be switched is US$ / € / ₤ / AUD / CHF 1000.
You can customise your investment according to your specific requirements by investing in any one, or a combination of investment options.


For investors new to offshore investing, requiring guidance


For skilled investors


Navigate fund range and Optimised Model Portfolios

Choose from a carefully selected range of funds and model portfolios from companies with strong histories and performance records

More about Navigate Optimised Model Portfolios

Self-directed fund range

Select your own collection of funds or model portfolios from a comprehensive range that stretches across global asset classes and regions


Managed portfolio of shares

Purchase a portfolio of shares that is managed by professional investment managers, according to a specific mandate agreed with you

Own selection of shares

Purchase your own selection of shares

  • You have the flexibility to choose from guided or self-directed solutions
  • Tax administration is taken care of by Glacier International
  • You can make multiple withdrawals during the initial five-year period
  • The value of the policy is excluded from executor fee calculations. The policy is also not subject to the charges and delays related to the legal administration of an estate
  • Processes are simple and transparent, because all instructions are processed through one central point in South Africa
  • You make a lump sum investment
  • We invest the money in the underlying investments that you choose in collaboration with your financial advisor
  • Your money can grow over time based on your underlying investments
  • Ad hoc withdrawals are allowed but depend on the liquidity of the underlying investments
  • You cannot make regular or scheduled withdrawals
Sanlam Life pays tax on the proceeds from the plan, which means all proceeds you receive are tax free.
Please speak to your financial advisor to make sure you pay the correct fees and that you understand which fees you pay and why.
Get Advice

It is important to bear in mind that any investment has some risk. We therefore recommend that you consult a financial planner who can help you find the most appropriate products for your needs and circumstances.