Direct offshore investment

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.

Minimum contribution

US$ / € / ₤ / AUD / CHF 25 000 lump sum
PLUS additional transfers of US$ / € / ₤ / AUD / CHF 5 000

How long to invest for

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.

Freedom to change your choice

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 1 000.

Your investment choices

You can choose from:


  • Navigate: A carefully selected range of investment choices to help simplify international investments, aimed at investors who require guidance or a simple offshore investment solution.
    • The Navigate optimised model portfolios are actively managed model portfolios, categorised according to which asset classes they invest in, which also determines their risk profile. The funds are monitored on an ongoing basis and rebalances and fund changes are automatically applied to your portfolio
    • The Navigate guided list of funds, a selected range of funds which can be selected and managed by you and your advisor directly.
  • Self-directed fund range and model portfolios: Select your own collection of funds from a comprehensive range which spans across global asset classes and regions.


  • Discretionary portfolios: Share portfolios managed by professional investment managers, according to a specific mandate agreed with you
  • Execution-only services: You purchase a selection of your own listed securities, using the trading capabilities of our selected partners.


  • 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.

How it works

  • 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.

Access to your money

  • 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.

Contact Us

Ready to take the next step in your financial journey?

Supply your details and we'll get an intermediary to contact you.

e.g John Doe


e.g +27 83 123 456

Select a Province within South Africa

e.g Durbanville

Your Next Read

Receive the latest Glacier Insights delivered to your inbox

Please enabled javascript to view Glacier.