ISA

Take advantage of tax-efficient savings. Our stocks and shares ISA comes with an income or capital guarantee.

  • Choose from a guaranteed level of income for life or a guaranteed lump sum 
  • No income tax or capital gains tax 
  • Protect your income or capital against market downturns 
  • Potential to increase your guaranteed benefits on a daily basis
  • Flexibility to access your investment if you need to
  • Have peace of mind with a guaranteed death benefit

Please note: Applications for this product are now closed for new business. Existing customers will continue to receive the benefits and certainty that their MetLife investment provides and will have been sent a letter regarding this. If you have any questions, you can call our Customer Account Management Team on 0800 022 4443 between 9am and 5pm Monday to Friday.

Find out more about our ISAs
Our ISAs explained

Enjoy the best of both worlds. Invest in a tax-efficient ISA that gives you the certainty of a guarantee with potential for growth.

With our stocks and shares ISA you can choose to receive a guaranteed level of income for life with our Secure Income Option, or a guaranteed  lump sum with our Secure Capital Option.

Both options provide peace of mind that loved ones will be looked after when you’re gone, through a guaranteed death benefit.

A guaranteed level of income for life

Our Secure Income Option provides you with a guaranteed level of income for life, regardless of market fluctuations. And because it's in an ISA, that income is completely tax-free and has no impact on your rate of tax. 

  • Start taking your guaranteed income immediately
  • Defer your income and benefit from an annual compound % increase, applied daily
  • Potential to increase your guaranteed benefit on a daily basis   
  • Enjoy the flexibility to start, stop and restart your income when you need to.
A guaranteed lump sum

If you’re looking to preserve your money for the future, our Secure Capital Option delivers a guaranteed capital lump sum.

  • A guaranteed capital lump sum at the end of your chosen term 
  • Flexibility to access your investment if you need to
  • Potential to increase your guaranteed benefit on a daily basis. If the value of your investment has grown beyond your guaranteed amount, we will lock-in this new higher figure
  • A medium to long-term investment  

 

Even when the markets fall, your guaranteed amount will always stay the same – and still has the potential to grow and benefit from the tax efficiency an ISA provides.  

 

Benefits of ISAs

An ISA allows you to save or invest in a tax-efficient way. There's no income tax or capital gains tax on the investment, and no tax to pay on withdrawals either. 

ISAs are the UK's most popular way of saving. In the 2016/17 tax year, the maximum you can pay into your ISA is £15,240. In the 2017/18 tax year, the maximum will be £20,000. 

Important information
The value of your investment, and any income taken from it, can go down as well as up and you may get back less than you invested.
The MetLife Secure Capital Option provides a guaranteed death benefit or amount at the end of a chosen term. If you switch out or cash in your investment before the end of this term, you will receive the underlying value of your investment.
The MetLife Secure Income Option provides a guaranteed level of income for life and death benefit. If you switch out or cash in your investment you will receive the underlying value of your investment.
Any payment you ask MetLife to make from your policy to a Financial Adviser will reduce the value of your investment, and proportionately, any amounts guaranteed.
Although you can access the funds at any time, you should consider a MetLife ISA Portfolio as a medium to long-term investment, ideally five years or more.
Tax treatment depends on your individual circumstances and may be subject to change in the future, with or without notice.